1st lien HELOC lenders

A 1st lien HELOC replaces your mortgage with a line of credit in first position. Few lenders offer it, and some only work through mortgage brokers.

Rates are shown only when a lender states them publicly. Otherwise see the lender. Rates are usually variable.

National benchmark (FRED series BRMHELOC01): Loading... Source: FRED.

Important: Information is as of 2026-10-16 and comes from each lender's own web page, linked in the table. Rates vary and change without notice; a rate is shown only when the lender publishes it clearly and is the lender's best case for an assumed borrower profile (strong credit, moderate loan-to-value), not the rate you will get. Nothing here is an offer, a commitment to lend, or financial, tax or legal advice. We do not guarantee accuracy or availability. Some lenders work only through mortgage brokers. Confirm all terms with the lender. A HELOC is secured by your home and most carry variable rates.

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