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10-Year Home Equity Loan

New Jersey 10-Year Home Equity Loan Rates

Compare 10-Year Home Equity Loan rates from lenders in New Jersey with a loan amount of $ 100,000. To change the mortgage product or the loan amount, use the search box above. Click lender name to view more information.

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New Jersey 10-Year Home Equity Loan

July 1, 2025
Average Rate: 8.45%

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Lender	APR (%)^?	Monthly Payment^?
Agave Home Loans Equal Housing Lender / NMLS ID: 1951574 See Table	8.525 %	$1,242	Learn More Add Review
Low Rates and Great Service Earned Us 1200+ 5-Star Reviews and A+ BBB Rating More Info
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice.
Achieve Loans / NMLS ID: 1810501 See Table	10.125 %	$1,329	Learn More Add Review
Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640 More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details.
CrossCountry Mortgage, LLC / NMLS ID: 3029	Unlock Your Home's Potential		Learn More Add Review
Transform Your Home Equity Into Cash: Explore our Tech-Powered Solutions! Unlock Your Home's Value: Discover the Power of our Online HELOC! Maximize Your Equity: Get Cash-Out Using Our HELOC for Your Next Big Step Secure Your Future: Experience the Ease of our Fixed Home Equity Loans More Info
Please note that the interest rates offered are subject to change based on market conditions and borrower eligibility. The pricing and rate provided are accurate as of the specified date. It is important to be aware that the minimum loan amount for any loan program is $50,000. The specific amount and terms of the credit offer will be determined based on underwriting approval and guidelines, which include factors such as your credit history, your ability to make payments, and the available equity in your home. To qualify for this offer, you must meet the required criteria and demonstrate creditworthiness. Additionally, providing up to two years of income verification may be necessary. The severity of your credit may also impact the required down payment. It is crucial to understand that the lender reserves the right to cancel this offer if the provided information cannot be verified. Please note that all bankruptcies must be discharged in order to be eligible. This offer is nontransferable and is specifically available for single-family residences or owner-occupied condominiums. Please be aware that mobile homes and cooperatives are not included in this offer. It is important to note that the lender must hold a valid first lien position, and property hazard insurance is a requirement. These are some key details to consider when evaluating this offer. It is essential to thoroughly review the terms and conditions and seek clarification from the lender regarding any specific questions or concerns you may have before proceeding with the application process.
Upstart / NMLS ID: 2443873	As low as 6.77% APR on your initial draw*		Learn More Add Review
As low as 6.77% APR on your initial draw* Get your money up to 6x faster than the industry standard* Fixed rate on each draw* No paperwork needed to apply More Info
1. APRs for initial advances range from 6.77% to 18.00% based on funded HELOCs as of September 2024. Your actual rate will depend on many factors such as your credit history, loan-to-value ratio, line amount, loan term, lien position, and property state. The lowest rates are only available to the most qualified applicants. The APR is variable, but the APR that will apply to each draw will be fixed on the date the draw is made. 2. As of October 2024, 10% of funded HELOCs achieved a closing timeline of 6 days or less and a funding timeline of 10 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days. 3. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC.
AmeriSave Mortgage Corporation / NMLS ID: 1168	Home Equity Loans & Refinance – Cash out		Learn More Add Review
Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business More Info
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
New American Funding, LLC / NMLS ID: 6606	Cash-Out and Home Equity Options Available.		Learn More Add Review
Competitive Rates for FICO Scores 580-679 366k+ positive reviews, A rating from the BBB Pay off higher interest rate credit cards, Pay college tuition 100% online mortgage application available More Info
Cash-Out and Home Equity Options Available.
Amboy Bank / NMLS ID: 418478	LOAN SALE! Guaranteed 12-month low rate		Learn More Add Review
LOAN SALE! 6.50% APR guaranteed for 12 months A 135-year-old bank in New Jersey. Voted Best Bank 25 years in a row. Change your payment with just a phone call Ongoing access to principal as you pay it back More Info
Amboy Bank has been serving New Jersey for 135 years and has been voted the Best Bank in Central NJ by Home News Tribune readers for 25 years in a row.
District Lending / NMLS ID: 598623	No Lender Fees		Learn More Add Review
No Lender Fees Fast Easy Over 20 Years Experience More Info
HELOC, HELOAN or CASHOUT REFI all available.
Figure Home Equity Line Equal Housing Lender / NMLS ID: 1717824	HELOC approval in 5 minutes, funding in 5 days. Borrow up to $750k online.		Learn More Add Review
Fastest way to turn home equity into cash Flexible terms, redraw up to 100%, borrow $15k-$750k Approval in as little as 5 minutes. Funding in as few as 5 days. Use to consolidate debt or finance your next home project More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
Unlock Technologies, Inc. / NMLS ID: Not a Lender	Get cash now in exchange for a percentage of your homes future equity.		Learn More Add Review
No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance More Info
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
Valley National Bank Updated 2025-07-01 / NMLS ID: 411254 See Table	7.250 %	$1,175	Add Review
Columbia Bank Updated 2025-07-01 / NMLS ID: 408590 See Table	6.990 %	$1,161	Add Review
Corporate America Family CU Updated 2025-07-01 / NMLS ID: 456438 See Table	8.250 %	$1,227	Add Review
TD Bank Updated 2025-07-01 / NMLS ID: 399800 See Table	7.990 %	$1,213	Add Review
Navy FCU Updated 2025-07-01 / NMLS ID: 399807 See Table	7.650 %	$1,195	Add Review
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Provident Bank Updated 02/02/2022 See Table	3.250 %	$977.19	Learn MoreShow Less Get Home Equity Offers
Pnc Bank, National Association Updated 01/18/2021 See Table	3.590 %	$993.08	Learn MoreShow Less Get Home Equity Offers
Oceanfirst Bank, National Association Updated 08/23/2019 See Table	4.250 %	$1,024.38	Learn MoreShow Less Get Home Equity Offers
Investors Bank Updated 06/25/2019 See Table	4.380 %	$1,030.61	Learn MoreShow Less Get Home Equity Offers
Lakeland Bank Updated 08/23/2019 See Table	4.490 %	$1,035.90	Learn MoreShow Less Get Home Equity Offers
Kearny Bank Updated 01/23/2023 See Table	4.598 %	$1,041.11	Learn MoreShow Less Get Home Equity Offers
Peapack Private Bank & Trust Updated 11/03/2022 See Table	4.875 %	$1,054.56	Learn MoreShow Less Get Home Equity Offers
Spencer Savings Bank, Sla Updated 06/27/2025 See Table	5.500 %	$1,085.26	Learn MoreShow Less Get Home Equity Offers
Northfield Bank Updated 09/15/2023 See Table	5.750 %	$1,097.69	Learn MoreShow Less Get Home Equity Offers
Blue Foundry Bank Updated 06/27/2025 See Table	5.875 %	$1,103.94	Learn MoreShow Less Get Home Equity Offers
Wilmington Savings Fund Society, Fsb Updated 09/27/2019 See Table	5.990 %	$1,109.70	Learn MoreShow Less Get Home Equity Offers
Atlanta Postal Credit Union Updated 08/27/2019 Restrictions See Table	6.000 %	$1,110.21	Learn MoreShow Less Get Home Equity Offers
The Bank Of Princeton Updated 06/27/2025 See Table	6.028 %	$1,111.61	Learn MoreShow Less Get Home Equity Offers
Navy Federal Credit Union Credit Union Updated 01/30/2023 Restrictions See Table	6.050 %	$1,112.72	Learn MoreShow Less Get Home Equity Offers
Columbia Bank Updated 03/17/2023 See Table	6.250 %	$1,122.80	Learn MoreShow Less Get Home Equity Offers
Manasquan Bank Updated 10/06/2023 See Table	6.496 %	$1,135.28	Learn MoreShow Less Get Home Equity Offers
Citibank, National Association Updated 10/10/2022 See Table	6.590 %	$1,140.06	Learn MoreShow Less Get Home Equity Offers
Citizens Equity First Credit Union Updated 08/27/2019 Restrictions See Table	6.740 %	$1,147.73	Learn MoreShow Less Get Home Equity Offers
Parke Bank Updated 08/19/2019 See Table	6.750 %	$1,148.24	Learn MoreShow Less Get Home Equity Offers
Td Bank, National Association Updated 10/10/2022 See Table	6.790 %	$1,150.29	Learn MoreShow Less Get Home Equity Offers
Data provided by BestCashCow

APR (Annual Percentage Rate) is the rate that incorporates monthly compounding charges to express the a finance charges as an annual rate.

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. Compensation is higher for Featured placements. This table does not include all companies or all available products.

Rates from this table are based on loan amount of $100,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

Home Equity Loans - Rates are based on a fixed rate home equity loan in New Jersey for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $100,000. Rate Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Conditions ‘No closing costs’ indicates that customer is not required to pay closing costs on the loan. ‘With closing costs’ indicates that customer is required to pay closing costs on the loan. Rates may include discounts. Rates are subject to change without notice.

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New Jersey 10-Year Home Equity Loan Rates

New Jersey 10-Year Home Equity Loan

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