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Today's HELOC rates & prime rate trends
Live data from Bankrate and the Federal Reserve so you can compare where rates stand today and where they've been. Most HELOC rates are set at Prime plus a lender margin.
Variable rate
5–10 Years
Up to 90%
Available
How HELOC Rates are Set?
Understanding what drives your rate helps you time your application and choose the right product.
The Prime Rate is the baseline
Nearly all HELOC rates are calculated as Prime Rate plus a lender margin. When the Fed moves rates, your HELOC rate typically follows within days.
Lender Margin Varies
The spread above Prime depends on your credit score, combined LTV, and the lender. Typical margins range from 0% to 3%+ above Prime.
Variable vs. Fixed-rate Options
Most HELOCs are variable. Some lenders offer rate lock features to convert a portion of your balance to a fixed rate during the draw period.
Draw Period vs. Repayment Period
During the draw period (typically 5–10 years), you pay interest only on what you've borrowed. The repayment period adds principal and usually runs 10–20 years.
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CLTV Determines Your Limit
Your combined loan-to-value ratio first mortgage plus HELOC caps how much you can access. Most lenders stop at 80–90% CLTV.
Non-QM HELOCs use different criteria
Truss Financial Group's no-tax-return and no-appraisal HELOC programs are priced on asset strength and equity, not W-2 income documentation.
HELOC Options for Borrowers Who Don't Fit the Standard Box
Most banks approve HELOCs using W-2 income and full tax return documentation. That approach leaves out a large share of homeowners: the self-employed, real estate investors, retirees drawing from assets, and borrowers with recent credit events.
Truss Financial Group specializes in non-QM HELOC programs that assess eligibility using alternative documentation, bank statements, asset balances, or property cash flow rather than requiring two years of tax returns.
All HELOC products are available to primary residences, second homes, and investment properties depending on the program.
No Income Tax Returns required on Select Programs
No appraisal required on select programs
Available for investment properties (DSCR HELOC)
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Interest-only draw period available
Competitive pricing relative to bank offerings
Explore Our Home Equity Programs
No tax-return HELOC
Best for self-employed borrowers or those with alternative income who want to access home equity without traditional tax documents.
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No appraisal HELOC
Best for homeowners who want to explore home equity options with a faster valuation path when eligible.
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Senior HELOC
Best for senior homeowners who want to access home equity for retirement cash flow, home expenses, or financial flexibility.
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Investor HELOC
Best for real estate investors who want to access equity from investment properties for cash flow, renovations, or portfolio growth.
No tax-return HELOC
Best for self-employed borrowers or those with alternative income who want to access home equity without traditional tax documents.
No appraisal HELOC
Best for homeowners who want to explore home equity options with a faster valuation path when eligible.
Senior HELOC
Best for senior homeowners who want to access home equity for retirement cash flow, home expenses, or financial flexibility.
Investor HELOC
Best for real estate investors who want to access equity from investment properties for cash flow, renovations, or portfolio growth.
Ready to Unlock Your Home's Equity?
Get a personalized HELOC rate quote in minutes. No obligation, no hard credit pull to start.
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