#1 Lowest HELOC Rates ★★★★★
Unlock your home's equitywith a flexible credit line
Flexible access
Draw funds as needed during the 10-year draw period
Variable rates
Competitive variable rates that adjust with market conditions
Interest-only payments
Pay only interest during the draw period for maximum flexibility
#1 Lowest Mortgage Rates ★★★★★
Lock in your lowest mortgage ratebefore lenders raise them again
to spend on holidays,
not your bank's bonus check
240+ wholesale lenders compete for your loan
These lenders don't work with consumers — only brokers like us.
No tricks. No fine print. Just the best deal or we pay you.
Trusted wholesale and retail lenders in our network:
How a HELOC works
A revolving credit line secured by your home's equity
Draw Period (10 years)
Access funds as needed up to your credit limit. Make interest-only payments or pay down principal.
Repayment Period (20 years)
No more draws allowed. Pay principal and interest on the outstanding balance.
Popular uses for HELOC funds
- Home renovations and improvements
- Education expenses
- Debt consolidation
- Emergency fund
- Investment opportunities
- Major purchases
Why Sups gets you the lowest HELOC rates
Wholesale HELOC lenders offer better rates and terms than retail banks
Wholesale HELOC advantages
240+ wholesale lenders including specialized HELOC providers that don't work directly with consumers. These wholesale HELOC lenders typically offer rates 0.25% to 1.0% lower than retail banks.
Better terms and flexibility: Wholesale HELOC lenders often provide higher credit limits (up to 90% LTV vs 80% at banks), longer draw periods, and more flexible repayment options.
Faster approval process: Wholesale HELOC lenders specialize in these products and can often approve and fund in 15-20 days vs 30-45 days at traditional banks.
HELOC vs other options
Bank HELOC:
- • Limited to 80% loan-to-value
- • Higher rates due to retail overhead
- • Slower approval (30-45 days)
- • Rigid terms and conditions
Sups Wholesale HELOC:
- • Up to 90% loan-to-value available
- • Wholesale rates 0.25-1.0% lower
- • Fast approval (15-20 days)
- • Flexible terms and repayment options
HELOC questions answered
What's the difference between HELOC and home equity loan?
HELOC is a revolving credit line you can draw from as needed. Home equity loan gives you a lump sum upfront. HELOCs offer more flexibility for ongoing projects or expenses.
How much can I borrow with a HELOC?
Typically up to 80-90% of your home's value minus your existing mortgage balance. Wholesale lenders often allow higher loan-to-value ratios than retail banks.
Are HELOC rates variable or fixed?
Most HELOCs have variable rates tied to prime rate. Some wholesale lenders offer fixed-rate options or the ability to convert portions to fixed rates during the draw period.
What are HELOC closing costs?
Typically $500-$2,000 including appraisal, title search, and origination fees. Many wholesale lenders offer no-closing-cost HELOCs or will waive fees for qualified borrowers.