While there are multiple ways to tap into your home equity, from cash-out refinancing to reverse mortgages, two of the more attractive options right now are home equity loans and

Home equity loans and home equity lines of credit are both tools that provide homeowners with financial access. Understanding the differences can help you decide which is best for your situation and aligns best with your financial goals.

Home equity loans and home equity lines of credit (HELOCs) allow homeowners to tap into the value of their homes. A home equity loan is a fixed-rate, lump-sum loan that allows homeowners to borrow up to 85% of their home’s value and pay that amount back in monthly installments.

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Deciding between home equity loan vs HELOC? Learn the difference between the two and when you may want to choose one over the other.

What Is a Home Equity Loan? As the name implies, a home equity loan is secured by the equity you have accumulated in your home. With every payment you make on your mortgage, you b