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See Your Eligibility

Popular Home Equity Program Lets Homeowners Borrow Cash (Without Hurting Their Mortgage Rate)

Millions of Americans have taken advantage of this program to borrow cash without raising their mortgage rates. Here’s how you can check your eligibility in just 2 minutes.

Sabrina Butler, Savings Analyst • SEPTEMBER 19, 2025

It’s no secret that home values have soared across America.

That’s why many homeowners are using their home equity to get extra cash.

And the best part? For people who already have low mortgage rates, you can borrow against your home without giving up that original low rate.

Many homeowners are eligible for significant amounts (sometimes over $200,000). And you can use the money for whatever you want.

The problem? Not all mortgage lenders will give you the best terms. It will vary based your ZIP code, age, and specific loan terms.

Plus, there are thousands of mortgage lenders in the US. Over +5,000 to be more precise.

That’s why if you own a home and have built up equity, it’s worth checking your options on an independent comparison site such as LendingTree.

They do the heavy research for you to find bargains amongst hundreds of lenders.

Check Rates Here

✅ 300+ top-rated lenders
✅ $260 Billion aross funded loans
✅ 111 Million Americans served

It’s free to see potential rates and lenders, there’s no obligation, and many homeowners are surprised to learn they can access funds without changing their current mortgage rate.

For homeowners with a low mortgage rate, a home equity loan can be a way to borrow thousands of dollars without affecting your original rate.

Here’s How You Do It

Step 1: Click on your state on the map below.

Step 2: Answer a few quick questions to receive a free personalized loan offer comparison.

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