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As of early 2026, only 29% of people say now is a good time to buy a house according to a Gallup poll. That number is up only slightly from 2025, when 26% felt the time was right. High home prices, low inventory, and high interest rates have conspired to make many Americans, especially the youngest people, unenthusiastic about their home ownership prospects. The median home price was $393,895 in September 2026, according to Redfin, and the average 30-year mortgage rate was 7.28% in October.

The last time the average 30-year loan rate topped 7.50% was in 2023, so consumers are clearly feeling the pinch. However, whether or not now is a good time to buy a house depends heavily on your unique financial situation and local market dynamics.

Determining When You’re Ready to Buy

Before you assess the current real estate market and pay close attention to interest rate fluctuations, it’s important to understand your financial and personal situation.

Here are a few factors you may want to consider before deciding if a new home is a good play right now.

Making Room in the Budget

When buying a home, the first thing you’ll need to budget for is a down payment.

While 20% of the home’s value is the benchmark, you may only need 3.5% if you apply for an FHA loan. But even 3.5% can be a chunk of change. If you want to buy a $300,000 house, 3.5% is $10,500.

Your home-buying budget should be large enough to cover a down payment as well as closing costs, which typically include homeowners insurance, appraisal fees, property taxes, and any mortgage insurance.

Remaining Consistent

How long do you plan to live in the city where you’re eyeing a home? If you plan on staying in the home long-term, now could be a good time to buy because staying put will give your home time to appreciate (subject to market fluctuations).

Since mortgage lenders pay close attention to job consistency and a steady income, you may also want to consider your job security. Especially during uncertain times, it’s crucial to feel confident knowing you can make your mortgage payments every month.

Checking Your Financial Profile

It’s a good idea to check your financial profile. Doing so may help you secure better financing terms when you purchase a home. Lenders will review your credit history, debt-to-income ratio, and assets, among other factors, to determine your eligibility for a mortgage.

Lenders review your credit history to gauge your creditworthiness and the level of risk to lend you money. They look at your debt-to-income ratio to indicate how much of your income goes toward debt payments every month.

If your ratio is high, it can show you’re overleveraged, which may mean you’re not in a position to take on more debt like a mortgage. You may also face a higher interest rate.

Last, a mortgage applicant can list assets like cash and investments. The more assets you have, the less risky lenders view you.

Weighing Renting vs. Buying

You may want to compare renting vs. buying a home.

If renting a home in your community is less expensive than buying, you may want to hold off on a home purchase. Conversely, if renting is more expensive, you may be more eager to purchase a new home.

Overall, if you find that these factors point you in the direction of homeownership, it’s possible you’re ready to buy a home and can begin determining the perfect time to pounce.

Observing Interest Rates

When determining if now is a good time to buy a house, buyers should look closely at interest rates.

Financial institutions charge interest to cover the costs of loaning money when they offer you a mortgage. The interest rate they charge is influenced by the Federal Reserve, though mortgage-backed securities in the secondary mortgage market are considered to be a key driver, as well.

When interest rates are low, borrowing money is less expensive for the borrower. As interest rates rise, borrowing money becomes more costly. The government increased the rate in September 2026.

But keep in mind that the rate and terms you qualify for will depend on financial factors including your credit score, down payment, and loan amount.

And, if interest rates go down after you purchase your home, you can always choose to refinance your mortgage in hopes of getting a lower rate.

💡 Quick Tip: A home equity line of credit gives you the flexibility to spend what you need when you need it — you only pay interest on the amount that you spend. And the interest rate is lower than most credit cards.

Timing the Real Estate Market

Essentially, to time any market, you want to aim to buy low and sell high. If you’re going to buy a property, you’ll want to ideally buy when there are more sellers than there are buyers — a buyer’s market.

In a buyer’s market, buyers have an abundance of homes to choose from. This may also give you leverage to ask for more concessions from sellers eager to close a deal, such as a seller credit toward your closing costs or help covering the cost of repairs.

Conversely, in a seller’s market, real estate inventory is low and demand is high, which may drive up home prices.

To identify the current market conditions check local housing market trends by city or visit real estate websites to look at inventory in your area or ZIP code.

Typically, it’s a buyer’s market if you see more than seven months’ worth of inventory.

If you see five to seven months of inventory, you’re in a balanced market that isn’t especially beneficial to buyers or sellers.

It’s a seller’s market when there is less than five months’ worth of inventory.

Recommended: How Does Housing Inventory Affect Buyers & Sellers?

Understanding Local Economics and Trends

Because prices can vary vastly from area to area, real estate is often considered a location-driven market. This means that general rules of thumb might not be valid in every region or city.

Also, local economics may play a role in housing demand. For instance, if a large company decides to move its operations to a city, that city may experience a housing boom that creates a spike in home prices. The cost of living might correlate with home prices, but even if it doesn’t, it is a good idea to consider it because insurance, utilities, and groceries will also play a role in your budget.

Hopeful buyers will want to pay close attention to the economic happenings and housing trends in their desired location.

The Takeaway

If you find a home that seems right for you, your employment is stable, and you can get a home loan with a good interest rate, buying may make sense. Then again, with interest rates and home prices still being on the high side, comparing the costs of renting and buying may be called for.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

Should I buy a house before rates drop?

House prices are predicted to remain relatively flat in the coming year, while mortgage rates aren’t forecast to drop below 6.00% for at least the next couple years. So if you need to buy and can find a property you like at a good price in this market, it may make sense to go ahead and buy before rates drop. After all, if you get a mortgage now and rates go down considerably, you can consider refinancing to get the benefit of the lower rate.

What time of year is it cheapest to buy a house?

Generally speaking, you may be able to get the cheapest deal on a house in the winter. That’s because winter tends to be the slowest season for home sales and that may give you some leverage to bargain with homeowners who are in a hurry to sell. Of course, prevailing market conditions at the time will also play into how good a price you can get.

Is it better to buy a house during a recession?

There may be advantages and disadvantages to buying a house during a recession. The house price and the interest rates are likely to be lower than they might be when the economy is stronger. However, your individual financial position and job security may not be as strong during a recession, which can lead to financial stress.

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About the author

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This content is for educational and informational purposes only. The products, services, or features discussed may not currently be available via the SoFi platform. Any references to third-party products, services, or companies do not constitute an endorsement, recommendation, or solicitation by SoFi. Readers should independently evaluate their options and consider their individual financial needs and circumstances before making any decisions. ©2026 SoFi Technologies, Inc. All rights reserved.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

SOHL-Q426-131

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If you’re a homeowner considering a range of home improvements, you may not know if what you’re planning is a renovation or a remodel. Does it matter? Yes, because there are key differences.

A renovation is an update of an existing room or structure, while a remodel affects the design and purpose of an area. The more extensive work in a remodel will influence the cost and length of your project, which may in turn affect whether you need a home equity loan or other form of financing for your project.

What Is a Renovation?

During a renovation, one or more rooms are updated and repaired. This might include new cabinets, flooring, and paint, for instance.

The bones of the room are typically left intact, though some structural issues may be fixed in a renovation, such as replacing rotting wood or swapping out window frames suffering from water damage.

A kitchen renovation might include replacing appliances, faucets, and knobs, while a bedroom reno might call for paint, new rugs, or new lighting.

Bathroom renovations often involve installing new tile, towel racks, and faucets.

Recommended: Home Improvement Cost Calculator

Advantages of a Renovation

Renovations are typically less costly than remodels, thanks to several factors.

You Can DIY

If you’re handy, you can slash some of the cost of hiring someone to undertake your renovation by doing some of the work yourself.

Because most renovations don’t require structural changes, you likely won’t need to hire licensed professionals to get it done. That means anything that you’re capable of — painting, wallpapering, floor sanding — you can do and pocket what it would have cost to hire help.

Just make sure you are skilled enough; hiring a professional to redo what you couldn’t complete may cost you money you didn’t plan on spending.

You May Get a Better Return on Investment

Since a renovation doesn’t call for major expenses like hiring licensed professionals or other construction-related outlays, in some cases the project offers more bang for the buck than a remodel does.

Renovation-related tweaks will still improve the look and feel of your home, and thus may increase the value of your house on a future home appraisal, without the major expense a remodel entails.

You Can Expect Fewer Hidden Costs

When you’re renovating a room, your action plan is pretty cut and dried, and there aren’t likely to be surprises that require you to spend more than you planned.

Not so with a remodel, which, due to its scope, may result in additional costs to fix unforeseen problems such as hidden water damage, termites, or asbestos. These surprises can also lengthen the time of your project.

What Is a Remodel?

Remodels are typically more extensive than renovations. They include altering the function and sometimes the structure of an area of the house.

If your project calls for tearing down or adding walls, or changing the layout of a room, you’re planning a remodel.

Some examples of remodels: changing a powder room into a laundry room, knocking down a wall between a dining room and kitchen to create a great room, building an addition to your existing home, or expanding a closet into a dressing room.

Even if you’re not tearing down or adding walls, your project may be a remodel. This might include moving kitchen appliances around to improve room flow for a kitchen remodel, tearing out a tub and installing a walk-in shower in a bathroom, or turning a small guest bedroom into a home office.

Advantages of a Remodel

Many homeowners find there are pluses to a remodel as opposed to a renovation.

You Have the Opportunity to Customize Your Home

As homeowners grow with their home, they may find that their needs change.

Some may want an addition to accommodate an aging parent, while others may have expanded their families and need to convert a home office into a nursery or finish an attic and turn it into a bedroom. Empty-nesters may want to use one of their bedrooms as a study or gym.

A remodel affords them more options than a renovation does because they can make the necessary changes — however major — to achieve their needs.

You May Experience Hidden Benefits

Adding an island to a kitchen and removing a wall to create a larger space might mean more than increased room to prepare meals. You may find your family spends more time together in rooms that are spacious and inviting.

Similarly, retrofitting your heating and cooling system, adding under-floor heating, and replacing insulation might result in lower utility bills, freeing up money for hobbies or vacations.

Recommended: Guide to Buying, Selling, and Updating Your Home

Why a Remodel May Cost More Than a Renovation

All of that means remodels are costlier than renovations. Here’s why.

You May Need Permits

Thanks to the extensive nature of most remodels, many cities require homeowners to secure a permit before they begin work, especially if the project involves creating an addition to the home, or if new walls or new roofs are being installed. This is to ensure that building codes are followed.

If you need permits, you will want to factor in the time it takes to secure them into your timeline. Once the permits are approved, the project may begin. And once it is completed, it will likely need to be approved by a local inspector.

You May Need Professional Help

If your remodel requires electrical, duct, or plumbing work, you will likely need to hire a licensed professional to complete it.

You may also need a general contractor to hire and oversee these workers and others for larger remodels like adding a guest suite to the home or converting an attic to a home office with an en-suite bathroom.

These vendors, while necessary, can be costly since you are paying for their time in addition to any materials.

You May Be Dealing With Construction

While it can be exciting to imagine what your home will look like after a remodel, getting there can be taxing. That’s because you may be living in a construction zone while the project is underway.

It can be difficult to have to eat multiple takeout meals because your kitchen is being worked on, or deal with dust from work being done in the next room over.

If their remodel is especially extensive, some homeowners find they need to rent a home nearby until the remodel has been completed.

Paying for a Remodel or Renovation

Whether you’re undertaking a renovation or remodel, you’ll want to have a budget and a payment plan. Some renovations are small enough that homeowners can pay upfront.

Those tackling remodels and larger renovations might tap a home equity loan or home equity line of credit, in which the home is used as collateral. (Your equity is the value of your home minus whatever you owe on your home loan and any other loans that use your home as collateral.)

A home equity loan lets you borrow a set amount of money based on your equity in the home. You start paying it back in regular payments immediately, and if you don’t or can’t, you risk foreclosure. If you have a relatively solid sense of what your remodel will cost and are sure you can afford the added monthly payments, this could be a good option. Home equity loans, also known as HELOANs, tend to have fixed interest rates, which makes your monthly payment amount predictable.

A home equity line of credit (HELOC) also draws on your home equity but offers more flexibility. Instead of getting the entire amount you wish to borrow at once, you can access a revolving line of credit (up to a set maximum) and draw from that when you need it, paying interest only on what you’ve taken out. Usually the HELOC draw period (the time during which you can pull out funds) lasts for a number of years, which should cover even lengthy remodels. However, when the draw period is over, your payments of principal and interest will depend on what you’ve taken out, so they can be less predictable than home equity loan payments — especially because HELOCs tend to have variable interest rates. And if you default, you could lose your home.

How to get a HELOC or home equity loan is fairly simple. Be prepared to provide information on your income and debts, a copy of your government I.D., and a recent tax form. You can get an estimate of your borrowing power and costs in minutes by filling out an online form with a potential lender.

Recommended: Home Equity Loans vs Personal Loans for Home Improvement

The Takeaway

Undertaking home improvements can be exciting for homeowners. But before you embark on a project, know whether you’re looking at a renovation or a remodel, how much inconvenience you’re prepared to put up with, and what you are willing to pay.

SoFi offers both home equity loans and home equity lines of credit (HELOCs) to help you leverage your home's value. Access up to 85% of your equity (up to $750,000), to fund renovations, consolidate high-interest debt, or cover significant expenses. Both options offer competitive rates compared to other loan types. Plus, you’ll be paired with a dedicated SoFi Mortgage Loan Officer who can help you find the right fit for your needs.

Unlock your home’s value with a home equity loan or HELOC from SoFi.

FAQ

What is the difference between a remodel and a renovation?

A renovation involves making minor updates and/or repairs to an area in your home. A remodel is larger in scope and can include making structural changes to your house, like taking down walls or adding new rooms. Typically, a remodel is more expensive than a renovation.

How much does it cost to remodel vs. renovate?

A remodel is typically more extensive than a renovation and generally requires professional help, so it’s a more expensive proposition, potentially costing thousands or even tens of thousands of dollars. A renovation is usually more limited in scope and may be largely cosmetic, meaning that if you’re handy, you may be able to do much of it yourself, which can keep the cost much lower

Is painting considered a renovation?

Yes, painting walls or cabinets in your house is generally thought of as a renovation, since it’s essentially cosmetic, rather than a structural change. Other common renovations include installing a smart or programmable thermostat, changing light fixtures, replacing cabinet hardware, and putting in a bathroom vanity or new faucets.

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This content is for educational and informational purposes only. The products, services, or features discussed may not currently be available via the SoFi platform. Any references to third-party products, services, or companies do not constitute an endorsement, recommendation, or solicitation by SoFi. Readers should independently evaluate their options and consider their individual financial needs and circumstances before making any decisions. ©2026 SoFi Technologies, Inc. All rights reserved.

Third Party Trademarks: Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.

SOHE-Q426-070

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Home equity financing lets a homeowner borrow against the equity in their property. The term can refer broadly to several types of home equity borrowing, including a fixed-rate home equity loan, a home equity line of credit (HELOC), and a cash-out refinance.

The answer to what types of home equity financing are available generally includes these three options:

•   Fixed-rate home equity loan: Provides a lump sum with a fixed interest rate and predictable payments.

•   HELOC: Provides a revolving line of credit that the borrower can use as needed, usually at a variable interest rate.

•   Cash-out refinance: Replaces the existing mortgage with a larger mortgage and gives the borrower the difference in cash.

The right choice depends on the amount and timing of the cash needed, the borrower’s current mortgage interest rate, comfort with payment changes, and total borrowing costs.

How the Three Options Compare

A home equity loan and a HELOC are additional loans on top of your mortgage loan that are secured by the home. A cash-out refinance replaces the current mortgage with a new loan.

Feature	Fixed-rate home equity loan	HELOC	Cash-out refinance
Access to funds	One lump sum	Withdrawals as needed up to a credit limit	One lump sum from a new mortgage
Interest rate	Usually fixed	Usually variable, although some products may offer fixed-rate conversion options	Usually fixed or adjustable, depending on the new mortgage
Payments	Fixed principal-and-interest payments	Payments can change based on the balance and interest rate	Payments follow the terms of the new mortgage
Draw period	None	Usually a set draw period, often 10 years	None
Existing mortgage	Stays in place	Stays in place	Replaced by the new mortgage
Number of mortgage- related payments	Existing mortgage plus home equity loan payment	Existing mortgage plus HELOC payment	Usually one new mortgage payment
Common use	One-time, known expense	Ongoing or uncertain expenses	Large cash need when refinancing also makes financial sense
Main risk	The home secures the loan	The home secures the line, and payments may change	The home secures the larger replacement mortgage

Home Equity Loan vs HELOC

The difference between a home equity loan and a line of credit is the way the borrower receives and repays the funds:

•   A home equity loan provides the full approved amount at closing. The borrower typically makes equal monthly payments at a fixed interest rate.

•   A HELOC provides a credit limit. The borrower can withdraw money during the draw period and generally pays only interest on the outstanding balance.

A home equity loan may suit a borrower who knows the exact amount needed and wants predictable payments. A HELOC may suit a borrower whose costs will occur over time or remain uncertain.

Refinance vs Home Equity Loan

The difference between a refinance and a home equity loan is what happens to the existing mortgage:

•   A home equity loan is a second loan. The borrower keeps the current mortgage and adds a separate payment.

•   A cash-out refinance pays off the current mortgage and replaces it with a new, larger mortgage. The borrower receives the difference between the new loan amount and the old mortgage balance in cash.

A home equity loan may be preferable when the existing mortgage has a low interest rate. A cash-out refinance may make sense when the borrower wants one mortgage payment and can qualify for a lower interest rate.

Cash-Out Refinance vs Home Equity Loan

A cash-out refinance and a home equity loan both provide a lump sum secured by the home. Their interest rate, payment, and closing-cost structures can differ:

•   A cash-out refinance offers one consolidated mortgage payment and usually a longer repayment term.

•   A home equity loan leaves the existing mortgage unchanged but creates a second payment.

•   A cash-out refinance may be more attractive when the borrower can qualify for a lower interest rate.

•   A home equity loan avoids replacing a low-rate first mortgage, but the second loan will have a different interest rate, fees, and repayment term.

When deciding between the two options, compare your new mortgage payment, existing mortgage payment, home equity loan payment, closing costs, and total interest over the full repayment period.

How Much Can a Homeowner Borrow?

The amount available usually depends on the home’s value, the current mortgage balance, the requested loan amount, credit history, income, and the lender’s maximum combined loan-to-value ratio.

Calculating CLTV

Combined loan-to-value ratio, or CLTV, compares all loans secured by the home with the property’s appraised value:

CLTV = (Current mortgage balance + New loan or line amount / Appraised home value) x 100

Many lenders set a maximum CLTV, often up to 85%, although the limit depends on the lender, equity borrowing option, property, and borrower. A home equity loan calculator can help estimate potential borrowing capacity. It works similarly to the home affordability calculator used during the home-buying process.

Fixed-Rate Home Equity Loans

A fixed-rate home equity loan provides a lump-sum payment that the borrower repays over a set period. The interest rate and scheduled principal-and-interest payment generally remain the same for the life of the loan.

This structure answers the question how do home equity loans work differently from HELOCs: The home equity loan funds the entire amount at closing, while the HELOC allows multiple withdrawals during its draw period.

Fixed-rate home equity loans often have terms ranging from five to 30 years. The loan usually must be paid in full if the home is sold.

Home Equity Loan Example

Suppose a borrower needs $24,000 for a $20,000 garage addition and a $4,000 medical bill. A $24,000 home equity loan would provide the full amount upfront. The borrower would then make scheduled monthly payments until the balance is repaid.

A fixed-rate home equity loan may be suitable for:

•   A renovation with a known price

•   Debt consolidation

•   A major one-time expense

•   A borrower who wants predictable monthly payments

•   A homeowner who wants to keep their current mortgage with a low interest rate

The borrower should ask lenders about closing costs, appraisal fees, and other third-party charges before accepting an offer.

Recommended: What Is a Fixed-Rate Mortgage?

HELOCs

A HELOC is revolving debt, much like a credit card. The lender approves a credit limit, and the borrower can withdraw funds as needed during the draw period. As the borrower repays principal, that amount generally becomes available again.

Draw and Repayment Periods

A HELOC usually has two stages:

•   Draw period: The borrower can access funds up to the credit limit. This commonly lasts 10 years. (The draw period for a SoFi heloc is 3 years.)

•   Repayment period: The borrower can no longer withdraw funds and repays the outstanding balance over a specified period.

For example, a 30-year HELOC could have a 10-year draw period followed by a 20-year repayment period. Depending on the agreement, the borrower may make interest-only payments during the draw period or payments toward both principal and interest.

HELOC Example

Suppose a borrower has a $10,000 HELOC and initially withdraws $7,000. The borrower has $3,000 of available credit. If the borrower pays $5,000 toward the principal, the available credit may increase to $8,000 during the draw period.

A HELOC may suit a borrower who needs money for an ongoing project, such as home improvements. Other potential uses include education expenses, wedding costs, and business startup costs.

How HELOC Interest Rates Work

A HELOC generally has a variable interest rate that can change with market conditions. The monthly payment can change when the interest rate changes or when the balance changes.

During the draw period, the borrower pays interest on the amount withdrawn. During repayment, the borrower pays principal and interest on the balance and typically cannot withdraw additional funds.

A HELOC interest-only calculator can help you compare interest-only payments with payments that reduce the principal balance.

Cash-Out Refinancing

Mortgage refinancing replaces an existing mortgage with a new loan. A cash-out refinance increases the new mortgage balance above the amount owed on the current mortgage and provides the difference to the borrower in cash. More information about the mechanics appears in How Cash-Out Refinancing Works.

Cash-Out Refinancing Example

Suppose a home is appraised at $400,000 and the homeowner owes $200,000 on the mortgage. If the homeowner needs $30,000 for repairs, a cash-out refinance could replace the current mortgage with a $230,000 mortgage, subject to lender approval and applicable costs. The borrower would receive the $30,000 difference in cash.

A cash-out refinance may suit someone who:

•   Needs a large lump sum

•   Wants one consolidated mortgage payment

•   Believes the new mortgage interest rate or repayment term would be better than the current one

•   Has enough equity and income to qualify for the larger mortgage

Common refinancing goals include:

•   Securing a lower interest rate

•   Changing the repayment term

•   Lowering the monthly payment

•   Accessing cash for a major expense

A longer repayment term can lower the monthly payment while increasing total interest over the life of the loan. A cash-out refinance also has closing costs and may have higher upfront costs than a home equity loan.

Advantages and Disadvantages

Potential cash-out refi advantages:

•   Provides a lump sum of cash

•   May provide a lower mortgage interest rate

•   Can change the repayment term

•   Usually creates one mortgage payment

Potential cash-out refi disadvantages:

•   Replaces the existing mortgage

•   May eliminate a favorable current interest rate

•   Adds debt secured by the home

•   Requires closing costs

•   May increase total interest or extend the repayment period

Fees, Rates, and Tax Considerations

Home equity loans and HELOCs may include closing costs and fees. These costs can range from 1% to 5% of the loan amount, although the amount and structure vary by lender and product.

HELOCs may have ongoing charges such as:

•   Annual fees

•   Transaction fees

•   Inactivity fees

A lender generally provides disclosures for certain fees, including application fees, discount points, annual account fees, and transaction fees. Borrowers should ask about other charges, such as returned-payment fees, before signing the agreement. The Consumer Financial Protection Bureau provides a loan estimate explainer to help borrowers review loan terms and fees.

Comparing Interest Rates

Home equity loan interest rates are often lower than rates for unsecured borrowing because the home secures the debt. The rate may still differ from the borrower’s first-mortgage rate, personal loan rate, credit card rate, or HELOC rate.

When comparing rates, make sure you review:

•   The APR, or annual percentage rate, which includes the interest rate plus lender fees

•   Whether the interest rate is fixed or variable

•   The length of the repayment term

•   The total interest over the loan term

•   Closing costs and recurring fees

A lower interest rate does not always produce the lowest total cost if it comes with higher fees or a longer repayment period. Current market conditions, the borrower’s credit profile, the CLTV, and the loan type all affect the offer. Borrowers can review current home equity loan rates when beginning the comparison.

Tax Treatment

Interest on a home equity loan or HELOC may be deductible when the borrowed funds are used to buy, build, or substantially improve the home securing the loan. Tax treatment depends on the borrower’s circumstances and applicable tax rules. A tax professional can explain how the loan may affect a specific tax return.

Comparing Offers

To compare home equity loan offers from different lenders, borrowers should review the full cost and payment structure rather than comparing the advertised interest rate alone.

A useful checklist includes:

1.    Compare APR and interest rate. The APR includes certain fees beyond the stated interest rate and can help you understand the full cost of borrowing.

2.    Review fixed versus variable rates. A fixed-rate home equity loan provides more predictable payments. A variable-rate HELOC can change over time.

3.    Add all fees. Include origination fees, appraisal charges, application fees, annual fees, transaction fees, and closing costs.

4.    Check the loan amount and CLTV limit. Confirm that the lender’s maximum borrowing amount meets your needs.

5.    Compare repayment terms. A longer term may reduce the monthly payment but increase total interest.

6.    Review HELOC payments. Check the payment during the draw period and the expected payment during repayment.

7.    Ask about penalties and recurring charges. Review prepayment terms, annual fees, and inactivity fees.

8.    Consider the existing mortgage. A home equity loan or HELOC leaves the first mortgage in place. A cash-out refinance replaces it.

9.    Compare total repayment costs. Calculate the interest and fees over the expected time the debt will remain outstanding.

10.    Confirm how payments are calculated. Ask whether payments include principal and interest, and whether a HELOC payment can change.

The lender’s interest rate quote, loan estimate, or comparable disclosure should provide the figures needed for this review. Borrowers should ask each lender for the same loan amount and repayment term to make offers easier to compare.

Qualification Requirements

Lenders typically review the borrower’s equity, credit profile, income, debts, and payment history. Requirements vary by lender and type of home equity product.

An application may require:

•   Proof of income, such as pay stubs, tax returns, or bank statements

•   Information about the existing mortgage and other debts

•   Permission to review your credit history and credit score

•   Documentation of homeowners insurance

•   Property details and an appraisal or other valuation

•   Evidence of a reliable repayment capacity

•   Information about your payment history and recent delinquencies

Many lenders look for at least 20% equity after accounting for the new loan, a credit score of at least 620, and a debt-to-income ratio no higher than 43%. These figures are general benchmarks, not universal requirements. A lender may apply different standards based on the loan type, property, your income, credit history, and CLTV.

The borrower’s home secures the debt. If the borrower cannot make the required payments, the lender could begin foreclosure proceedings.

Recommended: How Does a HELOC Affect Your Credit Score?

Choosing an Option

A fixed-rate home equity loan may make sense when:

•   The borrower needs a known amount upfront.

•   The current mortgage interest rate is low.

•   Predictable payments fit your budget.

•   The expense is one-time or has a defined cost.

Potential uses include consolidating high-interest debt, paying for a major renovation, or covering a large purchase.

A HELOC may be appropriate when:

•   The borrower needs funds over multiple stages.

•   The total cost is uncertain.

•   The borrower wants to withdraw only what is needed.

•   The borrower can manage a variable rate and changing payments.

A cash-out refinance may be worth considering when:

•   The borrower needs a large lump sum.

•   The existing mortgage interest rate is high.

•   The new mortgage rate and term may improve your financial profile.

•   One consolidated mortgage payment is a priority.

Before choosing, the borrower should compare the new debt with the existing mortgage and assess whether the monthly payments remain affordable if rates or expenses change.

The Takeaway

The three main types of home equity financing are:

1.    Fixed-rate home equity loans

2.    Home equity lines of credit (HELOCs)

3.    Cash-out refinances

A fixed-rate home equity loan provides one lump sum with predictable payments. A HELOC provides flexible access to funds, but the interest rate and payment amount can change. A cash-out refinance replaces the current mortgage with a larger mortgage and provides cash from the difference.

All three options use the home as collateral. The borrower should compare the APR, fees, repayment term, payment structure, CLTV, and total repayment cost before applying.

SoFi offers both home equity loans and home equity lines of credit (HELOCs) to help you leverage your home's value. Access up to 85% of your equity (up to $750,000), to fund renovations, consolidate high-interest debt, or cover significant expenses. Both options offer competitive rates compared to other loan types. Plus, you’ll be paired with a dedicated SoFi Mortgage Loan Officer who can help you find the right fit for your needs.

Unlock your home’s value with a home equity loan or HELOC from SoFi.

FAQ

What is the downside of a home equity loan?

The primary downside is that the home secures the debt. If the borrower cannot make the payments, the lender could pursue foreclosure. A home equity loan also provides a lump sum. Borrowers who are unsure how much they need may prefer the flexibility of a HELOC, provided they can manage a variable interest rate and changing payments.

How much does a $50,000 home equity loan cost?

The exact cost depends on the interest rate, loan term, fees, and lender. For example, a $50,000 loan at a 7.50% interest rate with a 10-year repayment term would have an estimated monthly payment of $594 and total interest of $21,221 over the life of the loan, before fees.

Can you use a home equity loan for anything?

A home equity loan can typically be used for many purposes. Common uses include:

•   Consolidating higher-interest debt

•   Paying medical bills

•   Funding major home repairs or upgrades

•   Covering a large purchase

Because the home is collateral, the intended use should justify the risk and repayment cost.

How do I qualify for a home equity loan?

A borrower generally needs sufficient home equity, acceptable credit, manageable debt, reliable income, and a history of making payments on time. The lender may also review your:

•   Credit score and credit report

•   Debt-to-income ratio

•   Mortgage balance and CLTV

•   Proof of income

•   Homeowners insurance

•   Property value

•   Recent payment history

Requirements vary by lender. A borrower should confirm the lender’s minimum equity, credit score, income, and debt-to-income ratio requirements before applying.

What is the difference between a HELOC and a cash-out refinance?

A HELOC is a revolving line, similar to a credit card, that is secured by your home. The borrower can withdraw funds up to a set limit during the draw period, then repay the outstanding balance during the repayment period. The existing mortgage remains in place.

A cash-out refinance replaces the existing mortgage with a new mortgage for more than the borrower currently owes. The borrower receives the difference as a lump-sum cash payment and repays the new mortgage under its terms.

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This content is for educational and informational purposes only. The products, services, or features discussed may not currently be available via the SoFi platform. Any references to third-party products, services, or companies do not constitute an endorsement, recommendation, or solicitation by SoFi. Readers should independently evaluate their options and consider their individual financial needs and circumstances before making any decisions. ©2026 SoFi Technologies, Inc. All rights reserved.

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Most people consider a “good” mortgage rate to be the lowest average current rate available. But here’s what they may not realize: Not everyone will qualify for the lowest rates out there.

So what is a good mortgage rate? As of September 17, 2026, the average 30-year fixed rate was 6.95%, according to Freddie Mac, so a rate at or below that may be considered good. But it can be different for every borrower, depending on their financial situation and credit score.

Many factors go into determining the mortgage rate you can get. Once you understand what these variables are, the better equipped you’ll be to navigate the mortgage market and find a loan that fits your situation.

What Is a Mortgage Interest Rate?

If you’re a first-time homebuyer, you may have a lot of questions about mortgage interest rates. The interest rate on a loan is the cost you pay to borrow money. You pay the interest each month as part of your regular payments for your loan.

There are different types of mortgage rates. With a fixed rate mortgage, your interest stays the same over the life of the loan. This means your monthly payment will always be the same.

An adjustable-rate mortgage (ARM) starts with a fixed rate for an initial period, commonly three, five, seven, or 10 years. After that, the rate adjusts periodically based on a benchmark index, such as the Secured Overnight Financing Rate (SOFR), plus a set margin. This could potentially make your payments much higher, depending on the state of the economy.

How Do Mortgage Interest Rates Work?

So what is a good mortgage interest rate? Interest rates are always changing. A variety of factors determine mortgage rate changes. Some you have control over, and others you don’t.

One of the critical factors that’s outside your control is what’s happening in the economy. Major economic events have a significant effect on interest rate fluctuations. For instance, a strong job market can add to inflation pressure, which may lead the Federal Reserve to keep interest rates higher.

Inflation, which limits consumers’ purchasing power, also plays a role. The Federal Reserve (the Fed) raised its benchmark rate in 2022 and 2023 to fight inflation, then cut it in late 2024 and 2025. In September 2026, with inflation still elevated, the Fed raised its rate again. The Fed’s rate influences mortgage rates, but it doesn’t set them. Mortgage rates tend to track longer-term rates, like the 10-year Treasury yield, more closely.

Your personal financial situation also affects the interest rate you get, as outlined below.

How Lenders Determine Your Mortgage Rate

In addition to the economic factors and the influence of the Fed, your unique financial situation will help determine the mortgage rate you qualify for.

Here are a few key factors lenders typically consider when determining your rate.

Credit Score

Most lenders review your credit history to determine if you’re eligible for a mortgage.

With this in mind, it can help to check your score regularly. Paying your bills on time and keeping your credit balances low are two habits that can affect it.

Credit report agencies will assign you a credit score by evaluating these factors. The most common model is the FICO® credit score, which ranges from 300 to 850.

Usually, if you have a credit score of 800 or higher, it’s considered exceptional, whereas a credit score between 740 and 799 is considered very good.

A credit score of 739 to 670 is good, and a score between 669 and 580 is fair. A score of 579 and lower is considered poor. A low credit score indicates that a borrower represents a higher risk. Borrowers with these credit scores may have trouble getting approved for a loan.

It’s important to note that specific credit score requirements may depend on the loan you apply for.

Income and Assets

Your income is another important factor lenders use to determine if you’re eligible for a mortgage. Lenders prefer borrowers with a steady income. To determine if you qualify, lenders evaluate your income and other assets, such as investments.

Also, your debt-to-income ratio (DTI) is essential information. Your DTI indicates what percentage of your monthly income is used for debt payments. This number gives lenders an idea of how well you’re doing financially.

If your DTI ratio is high, it may show that you’re not in a position to take on more debt. A lender might give you a higher interest rate or deny your mortgage application altogether.

Down Payment Amount

Sometimes your down payment amount can lower your interest rate or even determine what loans you’re eligible for. Lenders may see you as less of a risk if you put more money down.

Putting 20% down on a conventional loan generally lets you avoid private mortgage insurance, and it may help you get more favorable interest rates.

However, if you’re applying for a government-backed loan, you may not need such a big down payment. For example, a Veterans Affairs (VA) purchase loan may not require a down payment as long as the sale price isn’t higher than the home’s appraised value. A Federal Housing Administration (FHA) loan requires as little as 3.5% down for borrowers with a credit score of 580 or higher.

Also, some conventional home loans do not require 20% down.

Loan Term and Type

The loan term you select, such as 15 or 30 years, can also make a difference in the interest rate you receive. In general, a shorter-term loan will have a lower interest rate than a longer-term loan. However, your monthly payments will be higher with a shorter-term mortgage.

There are also several types of mortgage loan categories, including conventional, FHA, USDA, and VA loans. Each loan product may have very different rates.

Finally, as discussed, with a fixed-rate mortgage, your interest rate will remain the same for the life of the loan. But if you choose an adjustable-rate mortgage, your interest rate will vary after an initial fixed rate.

Before you take out any loan, it’s important to compare all of your options to find a competitive rate.

Location

Where your property is located can also play a role in the interest rate you receive, since many lenders offer slightly better rates depending on the state. For instance, the cost of living in California tends to be higher than it is in some other locations.

You can check the cost of living by state to see how your state ranks.

Other Factors That Determine Your Mortgage Rate

In addition to your financial situation and location, and the type of loan you’re applying for, there are some other things that may influence the mortgage rate you get. They include:

The Lender You Choose

Different lenders offer different mortgage rates and terms. Shopping around can help you find a competitive rate you can qualify for.

Broader Market Conditions

This factor is out of your control, but it’s good to understand how it works. Mortgage rates tend to track longer-term interest rates, such as the 10-year Treasury yield, more closely than they track the Fed’s benchmark rate. Knowing what’s happening in the broader market when you’re shopping for a home loan can help prepare you for what to expect.

What Is Considered a Good Mortgage Rate

As of September 17, 2026, the average rate on a 30-year fixed-rate mortgage was 6.95%, according to Freddie Mac. That average reflects conventional loans for borrowers who put 20% down and have excellent credit, so the rate you’re offered may differ. A rate below or close to the current average might be considered good.

But again, what’s a good mortgage rate for you depends on your financial situation and many other factors. A good rate is what you can qualify for. Comparing rates from different lenders can help you find a competitive deal.

As you’re comparing your options, it can help to look at the loan’s APR (annual percentage rate). An APR gives borrowers a broader measure of the cost to borrow money than the interest rate alone does.

The APR includes the interest rate, any points, mortgage broker fees, and other charges you pay to borrow money. So when you’re comparing options, you’ll want to review each lender’s APR to indicate the true cost of borrowing.

How to Get a Good Mortgage Rate

Now that you know the answer to the question, what is a good interest rate for a mortgage?, it might be a good idea to look for a competitive rate. Making sure your finances are in order before you apply for a mortgage will likely help you obtain a better interest rate and loan terms. Here are some ways to do that.

•   Pay off higher-interest debt. If you have debt like credit card debt, you’re likely paying a lot of money in interest. That money could be going toward other things like a mortgage payment. Second, carrying a large amount of debt means you lower your chances of approval for a home loan. Paying off as much of your debt as you reasonably can may help.

•   Save more for a large down payment. Buyers who put down less than 20% may end up paying for private mortgage insurance (PMI), which Freddie Mac says typically costs $30 to $70 per month for every $100,000 borrowed.

•   Review your credit history and check for errors. You can get a free copy of your credit report from the three major credit bureaus or from AnnualCreditReport.com. If you spot any errors, consider alerting the credit bureaus right away. Correcting any mistakes may help improve your ability to get a home loan.

The Takeaway

What is a good interest rate on a mortgage? Your financial health, the health of the economy, the loan type and term, and other factors help determine the actual rates you’re offered. What you can do is work to strengthen your financial situation and pay down debt you have, such as credit card debt.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

What is the 30-year mortgage rate right now?

As of September 17, 2026, the average rate on a 30-year fixed-rate mortgage was 6.95%, according to Freddie Mac. Freddie Mac updates this average weekly, and the rate you’re offered will depend on your finances and the type of loan you choose.

What is a good interest rate for a mortgage now?

A rate at or below the current average may be considered good. As of September 17, 2026, the average 30-year fixed rate was 6.95%, according to Freddie Mac. But a good mortgage rate can be different for every borrower, depending on their financial situation and credit score, as well as the type of home loan they’re applying for, among other factors.

Is 5.50% a good rate for a mortgage?

As of September 17, 2026, a 5.50% rate would be well below the 6.95% average for a 30-year fixed-rate mortgage, according to Freddie Mac, so it could be considered a good rate. Whether that rate is available to you will depend on factors like your credit, down payment, and loan type.

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When preparing to buy a home, understanding the early steps in the mortgage process can make the search more focused and effective.

Two common terms are prequalification and preapproval. Each gives lenders and home sellers information about a buyer’s borrowing potential, but they differ in how they evaluate finances and how much confidence they provide in the ability to secure a loan.

Knowing the difference helps buyers set a realistic budget, compare lenders, and submit stronger offers.

What Does Prequalified Mean?

Getting prequalified is an early way to estimate how much a buyer might borrow for a home and what the monthly payments could be.

Where to Get Prequalified for a Mortgage

A buyer can request prequalification from:

•   A mortgage lender or bank

•   An online mortgage lender

•   A credit union

•   A mortgage broker that compares multiple lenders

Many lenders allow buyers to start online. The application typically asks for the estimated purchase price, down payment, your annual income, employment information, existing debts, and contact details. Some lenders may also request a Social Security number and date of birth.

The lender uses this information, which may not be verified, to estimate a potential loan amount, interest rate, and monthly payment. Prequalification is often free, although buyers should confirm whether a lender charges an application or credit-report fee.

Lenders may use a soft credit inquiry for prequalification. A soft inquiry does not affect your credit scores. The process can be completed quickly when the buyer has the required information available, but timing varies by lender and application.

Buyers can request prequalification from several lenders to compare estimated payments and interest rates, which vary by repayment term. Because the information has not been fully verified, prequalification is not a loan commitment or a guarantee that the lender will approve the mortgage.

You can use a home affordability calculator to estimate a comfortable purchase price before requesting prequalification.

What Does It Mean to Be Preapproved?

Mortgage preapproval is a more detailed review of a buyer’s finances. The lender may verify income, employment history, debts, assets, and credit history before conditionally approving a specific loan amount.

A buyer can seek preapproval from a bank, credit union, mortgage broker, or online mortgage lender. Buyers can also review SoFi’s mortgage loan options.

Online, Fixed-Rate, Conventional, and First-Time Buyer Preapproval

A buyer seeking an online preapproval can usually begin by completing a lender’s digital application and uploading financial documents. The same process may support a fixed-rate purchase mortgage, a conventional purchase loan, and a mortgage for a first-time homebuyer, if the lender offers that loan type.

First-time buyers generally provide the same core financial documents as other applicants. A lender may also request information about down payment assistance, gifts, housing history, and homebuyer programs. FHA financing is another option some buyers compare when they have a smaller down payment or different qualification needs. Buyers can review FHA home loan information before discussing available options with a lender.

A preapproval for a fixed-rate mortgage confirms the lender’s preliminary assessment for that loan structure. It does not lock the interest rate unless the lender separately provides a rate lock. Buyers should ask whether the preapproval applies to a conventional, FHA, VA, or another type of purchase loan.

Documents Lenders May Request

When seeking preapproval, buyers will likely complete an application and provide some of the following:

•   Social Security number and card

•   Photo identification

•   Recent pay stubs

•   Tax returns, including W-2 statements, for the past two years

•   Two to three months of checking and savings account statements

•   Recent investment account statements

•   A list of recurring debts

•   Residential addresses from the past two years

•   The planned down payment and a gift letter when applicable

The lender may request additional documentation for certain income types. Freelancers may need to provide 1099 forms, a profit and loss statement, a client list, or work contracts. Rental property owners may need to provide lease agreements.

Approval can take longer when documents are incomplete, income is difficult to verify, assets have unexplained deposits, or credit reports contain negative information. Buyers can reduce delays by submitting legible documents and explaining unusual account activity promptly.

A buyer can review free credit reports before applying at AnnualCreditReport.com. A credit report lists balances, payment history, and derogatory information, but it does not include credit scores.

Getting a Preapproval Letter

After reviewing the application and supporting documents, the lender may issue a preapproval letter. The letter generally states the estimated loan amount and describes conditions that must be met before final approval.

A buyer can ask the lender for a preapproval letter as soon as the lender completes its initial review. The time required depends on the lender, the completeness of the application, and the complexity of the buyer’s finances. A fast preapproval is more likely when the buyer has current documents ready and responds quickly to follow-up requests.

The letter can strengthen an offer, especially when a seller receives multiple offers. Some sellers may disregard an offer without a preapproval letter, although requirements vary by market and seller.

A preapproval letter usually remains valid for a limited period set by the lender. Buyers should ask how long the letter lasts and whether the lender must update income, asset, or credit information before an offer is submitted.

Learn more about how long mortgage preapproval lasts before beginning your home search.

Credit-Score Impact

Prequalification may use a soft credit inquiry, which does not affect credit scores. Preapproval often includes a hard credit inquiry, but the exact process depends on the lender and the type of application.

Mortgage shoppers should ask each lender which credit inquiry it uses and which credit-scoring model applies. Multiple mortgage inquiries made within a short shopping period may be treated as a single inquiry by some scoring models, but the applicable period varies by model.

Buyers can learn more about how to check a credit score without paying before applying.

Choosing a Comfortable Loan Amount

A buyer does not have to spend the full amount shown on a preapproval letter. Preapproval identifies the maximum amount the lender may be willing to lend based on the information reviewed. It does not determine what the buyer can comfortably afford each month.

A lower-priced home may leave more room for:

•   Emergency savings

•   Property taxes and homeowners insurance

•   Maintenance and repairs

•   Retirement contributions

•   Other financial goals

Buyers should account for the down payment, closing costs, monthly debts, and expected housing expenses when setting a purchase budget. Review this guide to first-time home buying before setting a target price.

How Prequalification and Preapproval Compare

Prequalification and preapproval serve different purposes. Prequalification helps a buyer explore a price range early. Preapproval provides a more detailed lender assessment before the buyer makes an offer.

Consideration	Prequalification	Preapproval
Information supplied	Basic, often self-reported income, debt, asset, and down payment information	Financial information supported by documents
Verification level	Limited or none	More extensive review of income, assets, employment, debts, and credit
Credit inquiry	Often a soft inquiry, depending on the lender	May involve a hard inquiry, depending on the lender
Output	Estimated loan amount, interest rate, and payment	Conditional loan amount and a potential preapproval letter
Reliability	General planning estimate	More reliable estimate based on verified information
Use with sellers	Helps a buyer understand a budget	Often more useful when submitting an offer
Timing	Usually an early step	Usually completed before making an offer
Next step	Compare mortgage options and prepare documents	Shop for a home, submit an offer, and complete underwriting

The two terms do not have one universal definition. Some lenders use “prequalification” for a document-based review, while others use it for an automated estimate. Buyers should ask what the lender verifies and what the resulting letter represents.

When a Letter Is Needed

A buyer does not need prequalification to purchase a home. A preapproval letter is also not required for every offer, but an agent or seller may request one.

Preapproval can help because:

1.    It identifies a specific potential loan amount. The buyer has a clearer budget from a particular lender.

2.    It can prepare the buyer for underwriting. Mortgage underwriting is the lender’s final review after the buyer finds a home, agrees on a price, and submits a mortgage application.

3.    It shows that the buyer has completed an initial financial review. This can make the offer easier for a seller to evaluate.

The preapproval remains conditional. The lender still needs to review the property, confirm the final application details, and complete underwriting before issuing a final approval.

The Takeaway

Prequalification provides an early estimate based on basic financial information. Preapproval requires more documentation and usually gives the buyer a stronger estimate of the amount a lender may approve. A buyer can begin with prequalification to explore prices and compare lenders. Before making an offer, obtaining preapproval and a current preapproval letter can help the buyer move faster and present a more complete offer.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

FAQ

What is mortgage prequalification?

Mortgage prequalification is an early estimate of how much a buyer might borrow. The lender generally uses basic financial information supplied by the buyer and may use a soft credit inquiry. Because the information may not be verified, prequalification is not a loan commitment.

What does mortgage preapproval mean?

Mortgage preapproval is a conditional assessment based on a more detailed review of income, debts, assets, employment, and credit. The lender may issue a letter stating the potential loan amount, but final approval still depends on the property, updated documents, and underwriting.

Who provides mortgage preapproval?

Banks, credit unions, mortgage brokers, and online mortgage lenders may provide preapproval. Buyers should ask about application fees, credit-report fees, appraisal fees, and other costs before applying.

Which lender offers the easiest home-purchase preapproval?

No lender has the easiest process for every buyer. Buyers should compare lenders based on the documents required, loan types available, rate and fee estimates, communication, online application options, and the time needed to issue a letter. A lender that clearly explains conditions and responds promptly may provide a smoother process for a particular buyer.

Is a preapproval a loan guarantee?

No, a preapproval is conditional and does not guarantee a mortgage. The lender must still verify the final financial information, evaluate the property, confirm the loan program, and complete underwriting.

How long is a preapproval letter valid?

The validity period varies by lender. Income, assets, debts, and credit may need to be updated if the letter expires before the buyer submits an offer or completes the loan application. Buyers should request an updated letter when their financial circumstances change or the lender’s stated validity period ends.

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This content is for educational and informational purposes only. The products, services, or features discussed may not currently be available via the SoFi platform. Any references to third-party products, services, or companies do not constitute an endorsement, recommendation, or solicitation by SoFi. Readers should independently evaluate their options and consider their individual financial needs and circumstances before making any decisions. ©2026 SoFi Technologies, Inc. All rights reserved.

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