The average homeowner in 2025 is sitting on $212K of tappable equity*
You may be responsible for paying certain costs associated with your HELOC. These can include: administration fee ($999), valuation costs if an automated valuation model (AVM) is not available for your property (currently $150), manual notarization if your county does not permit eNotary (currently $350), credit report fee ($25), O&E property report fee ($80), document prep fee ($39.50), MERS registration fee ($24.95), wire/disbursement fee ($100), and recording fees ($0–$315) and recording taxes, which vary by state and county (up to $1,400 per $100,000 borrowed). These amounts are estimates and subject to change. Property insurance is required for all HELOCs, and flood insurance may be required if your property is located in a designated flood zone. Not available in all states. Payment amounts shown do not include taxes and insurance, and the actual interest rate, APR, and payment may vary based on the specific terms of the loan selected, verification of information, credit history, location, property type, and other factors as determined by the lenders we work with. Terms and conditions apply.
You're already a homeowner? No problem, Sage Home Loans is here to help you make the most of it—with expert guidance through the home equity process.
A HELOC (home equity line of credit) gives you flexible access to the equity you've built in your home.
Whether you're planning a remodel or covering unexpected costs, it's a smart way to put your home's value to work.
Tackle high-interest balances
Pay off credit card debt
Invest back in your home
Make home improvements
Consolidate and save
Pay off student loans
