Synchrony Bank's high yield savings pays 3.55% APY as of 10/13/2026 with no minimum and no monthly fee, and its CDs run up to 4.50%. Here is who it suits and what it lacks.
Unison gives homeowners $30,000 to $500,000 with no monthly payments for up to 30 years in exchange for a share of the change in the home's value. Here are the fees, the settlement math and the customer ratings.
Figure offers a HELOC of $15,000 to $750,000 with an online application and funding in as few as 5 days for qualifying loans under $400,000. This review covers the APRs, the origination fee, the draw rules, the requirements, the state list and the complaints.
Nada pays homeowners up to $600,000 with no monthly payments, in return for a share of the home's future value. This review covers the fees, the settlement math, the customer ratings and what the complaints are about.
Splitero offers homeowners $50,000 to $600,000 with no monthly payments, in return for a share of the home's future value. This review covers the fees, the repurchase math, the customer ratings and who should pass.
A HELOC for seniors is underwritten like any other, and retirement income has to be counted. This guide compares it with a home equity loan, a reverse mortgage and a home equity agreement, and shows what each one leaves owing.
A true no doc HELOC is not generally available on a home you live in. This guide covers what lenders accept in place of pay stubs, which home equity agreements state no income requirement, what each option costs and the red flags.
Yes, you can get a HELOC on an investment property, though fewer lenders offer one and the terms are tighter. This guide covers five ways to tap equity in a rental or second home, and which companies say they accept one.
Hometap and Point both offer a home equity investment with no monthly payments. They differ on credit score, term, state list and how each company's share is calculated. This comparison shows who should look at which.
Most home equity lenders look for a credit score of at least 680. Below about 620, the realistic routes are a home equity agreement, an FHA cash-out refinance, a co-signer or raising your score first. This guide shows what opens up at each score.
