Best VA HELOC RatesVirginia Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in Virginia

(Last Updated: 03/26/2025)
Home Equity Lenders
APR
Rate
Initial Draw
 Contact details
6.990% Intro APR
6.990% After Intro PeriodIntro Period: 0 months		 6.990% Rate $0 Min. Initial Draw Amount
Conditions:
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
  • Third Federal rate are typically 20% lower than other leaders
  • Guaranteed Lowest Rate
  • No closing costs, prepayment penalties, or minimum draw requirements
  • 10 year draw period
7.250% Intro APR
7.250% After Intro PeriodIntro Period: 0 months		 7.250% Rate $15,000 Min. Initial Draw Amount
Conditions:
Available APRs range from 6.45% - 10.95*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
  • Flexible terms, borrow $15K-$400K, redraw up to 100%
  • Use to consolidate debt or finance your next home project
  • 100% digital app & automated valuation
  • Largest non-bank HELOC lender in the US
Get cash now in exchange for a percentage of your homes future equity.
Conditions:
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
  • No monthly payments or interest charges
  • Minimum Credit score: 500
  • Access up to $500k
  • No need to refinance
7.250% Intro APR
7.250% After Intro PeriodIntro Period: 0 months		 7.250% Rate $15,000 Min. Initial Draw Amount
Conditions:
Available APRs range from 6.60% - 14.15*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(The advertised APR includes enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Consumers wishing to file a complaint against a mortgage company or a licensed residential mortgage loan originator should complete and send a complaint form to the Texas department of savings and mortgage lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage company.
  • Relationships Rule: Transactions end, Relationships remain
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Tap Into the Equity of Your Home to Get The Cash You Need
Conditions:
2024 Top Flite Financial, Inc. NMLS# 4181. 201 School St, Ste. 200, Williamston, MI 48895. This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Not all loan products are available in all states. Not all borrowers will qualify. For licensing information, go to www.nmlsconsumeraccess.org.
  • 1st Mortgages & Home Equity Loans (Credit Score Approvals Down to 500)
  • Cash Out and Debt Consolidation Experts
  • Self Employed Bank Statement Loan Programs
  • A+ BBB Rating and 4.9 Stars on Google
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online.
Conditions:
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.
  • Fastest way to turn home equity into cash
  • Flexible terms, redraw up to 100%, borrow $15k-$400k
  • Approval in as little as 5 minutes. Funding in as few as 5 days.
  • Use to consolidate debt or finance your next home project
Home Equity Loans & Refinance – Cash out
Conditions:
• 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
  • 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
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
5.740% Intro APR
7.250% After Intro PeriodIntro Period: 9 months		 7.250% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.710% After Intro PeriodIntro Period: 6 months		 8.710% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.850% After Intro PeriodIntro Period: 12 months		 8.850% Rate $25,000 Min. Initial Draw Amount
4.990% Intro APR
8.875% After Intro PeriodIntro Period: 6 months		 8.875% Rate $0 Min. Initial Draw Amount
7.500% APR 7.500% Rate $0 Min. Initial Draw Amount
7.940% APR 7.940% Rate $0 Min. Initial Draw Amount
7.750% APR 7.750% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
8.000% APR 8.000% Rate $0 Min. Initial Draw Amount
7.000% APR 7.000% Rate $0 Min. Initial Draw Amount
5.990% Intro APR
8.530% After Intro PeriodIntro Period: 6 months		 8.530% Rate $100,000 Min. Initial Draw Amount
6.490% Intro APR
7.750% After Intro PeriodIntro Period: 6 months		 7.750% Rate $0 Min. Initial Draw Amount
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 and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

If you're a homeowner in Virginia looking to tap into your home equity, finding the best Home Equity Line of Credit (HELOC) rates is crucial. Virginia has a competitive market for HELOCs, with various lenders offering attractive rates and terms. To secure the best VA HELOC rates, it's recommended to compare offers from multiple financial institutions, including local banks, credit unions, and online lenders. Consider factors such as the introductory APR, the margin, and any fees associated with the HELOC. By doing your research and comparing options, you can find a VA HELOC with favorable rates and terms that align with your financial objectives.

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