In the ever-evolving world of real estate investment, a Home Equity Line of Credit (HELOC) can be a game-changer. Whether you’re looking to purchase your first investment property or expand your real estate portfolio, tapping into your home’s equity through a HELOC offers a flexible and accessible financing option. In this review, we’ll explore the best HELOC lenders for investment properties in 2025, evaluating their terms, customer service, and how each can help investors secure the necessary funds for their next big move.
1. Figure – Best for Fast Access and Flexible Terms
Why Choose Figure?
If speed and flexibility are your top priorities, Figure stands out. Known for its quick online application process and fast funding, Figure offers HELOCs with rates that start as low as 5.10% APR. The lender leverages cutting-edge technology to streamline the approval process, and investors can receive funds within just a few days after approval. For investors looking to seize time-sensitive opportunities, this could be the ideal option.
Terms:
- Loan amounts: $25,000 to $400,000
- APR range: 5.10% to 10.40%
- Loan-to-Value (LTV) ratio: Up to 95%
- Flexible repayment terms
Customer Service:
Figure’s customer service is highly rated for its responsiveness and ease of use. Its platform is designed for a seamless user experience, and the online support team is available via live chat or phone for any inquiries. For investors, this means minimal hassle when navigating the loan process.
Investor Advantage:
- Quick and easy application process
- High loan limits ideal for investment properties
- Competitive interest rates for investors with strong equity
2. Homebridge Financial – Best for Competitive Rates
Why Choose Homebridge Financial?
Homebridge Financial is a top contender for real estate investors seeking competitive interest rates combined with expert lending support. With HELOCs starting at rates as low as 4.75% APR, Homebridge stands out as a solid choice for those who want to maximize their investment return by minimizing borrowing costs.
Terms:
- Loan amounts: Up to $500,000
- APR range: 4.75% to 8.90%
- LTV ratio: Up to 85%
- 10-year draw period followed by 20-year repayment
Customer Service:
Homebridge Financial prides itself on providing a personalized lending experience. They offer in-depth consultations with loan officers to help investors understand their financing options. While their customer service is responsive, some users report that the approval process can take longer compared to tech-centric platforms.
Investor Advantage:
- Low rates for well-qualified borrowers
- Personalized advice and assistance
- Strong reputation for guiding real estate investors
3. Wells Fargo – Best for Established Brand with Nationwide Reach
Why Choose Wells Fargo?
Wells Fargo remains one of the most recognizable names in the financial industry, offering HELOCs that cater to real estate investors looking for reliability and a wide range of loan products. With competitive APRs and flexible terms, Wells Fargo provides an established option with nationwide access.
Terms:
- Loan amounts: Up to $500,000
- APR range: 7.74% to 11.25%
- LTV ratio: Up to 90%
- 10-year draw period followed by a 20-year repayment period
Customer Service:
Wells Fargo offers comprehensive customer service, with 24/7 support for clients. However, some borrowers have noted that their application process is slower compared to online-first lenders. Still, Wells Fargo’s nationwide footprint ensures a robust network of branches to help clients throughout the process.
Investor Advantage:
- Large loan amounts and nationwide availability
- Trusted brand with a long history in lending
- Broad range of financial products to meet diverse investor needs
4. SoFi – Best for Low Fees and Digital Convenience
Why Choose SoFi?
For tech-savvy investors, SoFi offers a fully digital experience with minimal fees. SoFi’s HELOCs start at 6.99% APR and feature no application fees, making it a top choice for those looking to keep costs low. Its simple online application and digital-first approach make it an ideal lender for investors who prefer managing their finances on the go.
Terms:
- Loan amounts: $50,000 to $500,000
- APR range: 6.99% to 13.99%
- LTV ratio: Up to 90%
- 10-year draw period, followed by 20-year repayment
Customer Service:
SoFi is known for its sleek digital platform and customer service that’s easy to reach via chat or email. Their agents are well-versed in guiding real estate investors through the process, though some users note that phone support can be slow at times.
Investor Advantage:
- No application fees and competitive APRs
- Fully digital platform for easy management
- Ideal for investors looking for transparency and ease of use
5. LendingTree – Best for Comparing Multiple Lenders
Why Choose LendingTree?
LendingTree isn’t a direct lender but rather a marketplace that allows you to compare multiple HELOC offers from various lenders. For investors looking for competitive rates, LendingTree offers a one-stop solution to find the best HELOC for investment properties based on your specific financial situation.
Terms:
- Loan amounts: Varies by lender
- APR range: Starts as low as 3.99%
- LTV ratio: Varies by lender
- Terms depend on the lender you select
Customer Service:
LendingTree itself doesn’t provide customer service but instead connects you to various lenders who do. It’s important to evaluate the customer service of each lender individually when using the platform. However, LendingTree’s support is helpful when navigating the marketplace.
Investor Advantage:
- Allows you to compare multiple offers at once
- Competitive APRs, with options starting as low as 3.99%
- Great for investors looking for tailored offers based on their profile
Conclusion: Finding the Best HELOC Lender for Your Investment Property
Choosing the right HELOC lender for your investment property depends on your unique needs as an investor. For those looking for speed and convenience, Figure offers fast approvals and flexible terms. Homebridge Financial is a great choice for investors who want personalized service and competitive rates. If you value reliability and a nationwide network, Wells Fargo is an established option. SoFi stands out for its low fees and digital experience, while LendingTree is the ideal platform for comparing multiple offers from various lenders.
