{"id":23178,"date":"2026-01-30T19:37:12","date_gmt":"2026-01-30T19:37:12","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=23178"},"modified":"2026-01-30T19:37:25","modified_gmt":"2026-01-30T19:37:25","slug":"understanding-the-home-equity-loan-approval-process","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=23178","title":{"rendered":"Understanding The Home Equity Loan Approval Process"},"content":{"rendered":"<div id=\"\">\n<div class=\"overflow-hidden relative bg-blue-50 aspect-video w-full rounded-lg\"><\/div>\n<p>\n            Getty Images\/Greg Hinsdale\n        <\/p>\n<\/p><\/div>\n<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\">\n<p>You hear a lot these days about tapping home equity \u2013 borrowing against the worth of your home \u2013 for cash. Home equity loans and home equity lines of credit (HELOC) have become popular ways for homeowners to access their available equity to pay for expenses like home renovations or consolidating debt. Unfortunately, getting approved for isn\u2019t always easy. Although they are akin to mortgages, the rejection rate is much higher: A little more than a third of HELOC applications are denied, compared to about 14% for conforming loans, according to 3Q 2025 Home Mortgage Disclosure Act data.<\/p>\n<p>If you\u2019re thinking about tapping into your home equity, here\u2019s a step-by-step guide on how to navigate the home equity loan application process smoothly and ensure your chance of approval.<\/p>\n<h2 id=\"what-are\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What are home equity loans and HELOCs?\" data-outcome=\"\">What are home equity loans and HELOCs?<\/h2>\n<p>A home equity loan and HELOC are the two most common ways to borrow against your home\u2019s value. Both are forms of second mortgages, but they differ in some significant ways.<\/p>\n<p>A home equity loan provides a lump sum of money at a fixed interest rate. You have to repay it over a set period with regular fixed payments. The loan is ideal for homeowners who need a specific amount for a large, one-time expense that it\u2019s best to pay all at once.<\/p>\n<p>A HELOC offers a revolving line of credit, similar to a credit card, with a variable interest rate. The line of credit gives borrowers flexibility, as they can withdraw money as needed during a set period, typically 10 years; they can repay those funds, replenishing the balance, and then draw again. Or, they may opt to make minimal, interest-only payments. After the draw period ends, they must start paying back the borrowed funds in full.<\/p>\n<h2 id=\"steps\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Steps in the home equity loan approval process\" data-outcome=\"\">Steps in the home equity loan approval process<\/h2>\n<p>Applying for a home equity loan involves several key stages on the road to approval. Here\u2019s a detailed breakdown of each step in the process.<\/p>\n<h3>1. Determine your eligibility<\/h3>\n<p>Before you apply for a home equity loan, make sure you can meet the minimum requirements:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Home equity<\/strong>: Equity is the difference between what your home is worth and whatever you owe on your mortgage. You should have at least 20% equity in your home, though some lenders will allow you to have as little as 10% . Even better if your stake equals over half of your home\u2019s worth (aka being \u201cequity-rich\u201d): the more you own, the more you can borrow. Typically, the longer you\u2019ve been in your home, the more equity and borrowing power you have.<\/li>\n<li>\n<strong>Credit score<\/strong><strong>: <\/strong>Your credit score gives lenders an indication of how reliably you repay debt. A credit score in the mid-600s is usually the minimum to get you approved. But a score in the 700s will get you the best rate and terms.<\/li>\n<li>\n<strong>Debt-to-income (DTI) ratio<\/strong><strong>: <\/strong>Your DTI measures your gross monthly income relative to your monthly debts. Lenders want your DTI to be no more than 43%, as it shows your obligations are less than half your earnings, and you have the wherewithal to take on additional debt. A lower DTI signals that you\u2019re not overextended and can comfortably manage an additional loan.<\/li>\n<li>\n<strong>Combined <\/strong><strong>loan-to-value ratio (LTV)<\/strong>: Your CLTV compares the amount you want to borrow against the value of your home, factoring all the loans backed by your home (including your mortgage). Lenders typically limit the CLTV to 80-85%. The rationale: You maintain a cushion of untapped equity, so that if property values fall, you won\u2019t end up owing more on the home than it\u2019s worth.<\/li>\n<li>\n<strong>Income:<\/strong> While there are no set income requirements to get approved, you have to demonstrate that your income is stable and consistent enough to handle the loan payments comfortably (and, in the case of HELOCs, if you can handle a rise in payments due to interest-rate jumps). Lenders will also verify how long you\u2019ve been in your current job.<\/li>\n<\/ul>\n<h3>2. Research and compare lenders<\/h3>\n<p>Compare offers from at least three lenders, including banks, credit unions and mortgage\/home lending companies; be sure to include both bricks-and-mortar and online lenders. Each lender sets its own interest rates and its own fees, which vary greatly; so be sure to compare the advertised APR, which takes both into account.  <\/p>\n<h3>3. Submit an application and documents<\/h3>\n<p>Depending on the lender, you will be able to complete the application online, on the phone or in person. This process typically includes providing personal information, details about your home, and financial documents (see \u201cInformation you must provide\u201d below). The lender will check your credit history, with its list of your accounts and debt obligations, and credit score. But you should be prepared to provide proof of income and homeownership.<\/p>\n<h3>4. Go through underwriting<\/h3>\n<p>The underwriting review is one of the most critical steps in the home equity loan process. During this phase, the lender evaluates your creditworthiness, home value, assets, debts and ability to repay the loan. They will verify everything in the paperwork you submitted, and may request additional documentation.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Home appraisals\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>As part of the underwriting process, the lender will want to make sure the amount you are borrowing aligns with your available equity. To do that, it will require an appraisal of your home to determine its current market value. Some lenders still order up in-person evaluations, but automated valuation models (AVM), computer programs that use an algorithm to determine the home\u2019s worth, have become more popular for home equity financing of late. If the appraisal comes in lower than expected, you may have to reduce your loan request. If you don\u2019t agree with the lender\u2019s decision, you can always dispute it, or ask for another appraisal.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>5. Receive loan approval and close your loan<\/h3>\n<p>Once approved, you\u2019ll receive a loan estimate outlining the terms of your HELoan or HELOC and the various closing costs. After agreeing to them, you\u2019ll attend a closing meeting to sign the final documents and pay any fees or upfront charges. Funds are typically received within a few business days after that.<\/p>\n<h2 id=\"information\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"What do I need to provide for a home equity loan?\" data-outcome=\"\">What do I need to provide for a home equity loan?<\/h2>\n<p>To apply for a home equity loan, you will have to gather several documents to verify your identity, income and assets. Here is a checklist of what you need:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Proof of identity\/personal information:<\/strong> You will need to provide your Social Security number, date of birth and a government-issued photo ID (such as a driver\u2019s license or passport).<\/li>\n<li>\n<strong>Income documentation<\/strong>: Depending on your employment status, you may need recent paystubs, two of the most recent years of W-2s, business and federal tax returns, your Social Security income or pension award letter, investment statements, or rental income agreements.<\/li>\n<li>\n<strong style=\"font-size: 1.125rem; color: var(--color-slate); font-family: var(--font-family-sans); letter-spacing: -0.015625rem;\">Property information: <\/strong><span style=\"font-size: 1.125rem; color: var(--color-slate); font-family: var(--font-family-sans); letter-spacing: -0.015625rem;\">Among the documents you should have on hand are the homeowners insurance declaration, property tax statement, home title and title insurance policy (if any) and a record of your flood insurance (if your home is in a flood zone).<\/span><\/li>\n<\/ul>\n<h2 id=\"tips\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Tips for a smooth home equity loan approval\" data-outcome=\"\">Tips for a smooth home equity loan approval <br \/><\/h2>\n<p>No one wants to be turned down for a home equity loan, or any loan for that matter. Your credit profile plays a big role in getting approved. About half (47%) of American credit card holders have credit card debt \u2014 22% of debtors don\u2019t think they will ever pay it off, according to Bankrate\u2019s 2026 Credit Card Debt Survey. But don\u2019t be discouraged. Taking steps like reviewing your credit score and improving your debt-to-income ratio, can make a big difference before applying. Let\u2019s dive into some of the tips to boost your chances:\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Check your credit score:<\/strong> Ensure your credit report is accurate and resolve (or at least dispute) any inaccuracies before you apply. Higher scores can increase your chances of approval and help you secure better rates and terms. If you find errors, it can take several weeks to resolve them and get a \u201cclean\u201d report, so start this well in advance of actually applying.<\/li>\n<li>\n<strong>Lower your debt: <\/strong>If a big chunk of your monthly income is going toward credit cards, loans or other debts, lenders may see you as stretched too thin. Improve your eligibility by paying down outstanding balances as much as you can. Doing so will also improve your credit score. Again, get this going in advance: a few months at least before you submit any applications.<\/li>\n<li>\n<strong>Get your paperwork in order<\/strong>: Have your W2s, primary mortgage details, and all relevant documents and information ready ahead of time to speed up the process. The sooner you get it in, the sooner they start underwriting.<\/li>\n<li>Pause major financial moves: Before your loan closes, don\u2019t make large purchases, open new credit cards or take on big new debts. Even small changes can impact your credit profile and derail your approval at the last minute.<\/li>\n<\/ul>\n<h2 id=\"faq\" data-position=\"5\" data-beam-element-viewed=\"\" data-id=\"br-h2-5-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Frequently asked questions\" data-outcome=\"\">Frequently asked questions<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-how-long-does-it-take-to-get-a-home-equity-loan', 'heading-how-long-does-it-take-to-get-a-home-equity-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-long-does-it-take-to-get-a-home-equity-loan')\" :aria-controls=\"$id('panel-how-long-does-it-take-to-get-a-home-equity-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How long does it take to get a home equity loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-long-does-it-take-to-get-a-home-equity-loan')\" :aria-labelledby=\"$id('heading-how-long-does-it-take-to-get-a-home-equity-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            The time it takes to get a home equity loan typically ranges from two to six weeks, though it varies depending on the lender. Avoid delays by getting your documents ready and checking your credit score ahead of time. Responding quickly to lender requests can also speed up the process. Some online lenders, like Better or Figure, promise decisions in as little as a few days \u2014 provided you get them all the paperwork promptly (Better, for example, mandates 24 hours after you apply).\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-why-would-a-home-equity-loan-be-denied', 'heading-why-would-a-home-equity-loan-be-denied']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-why-would-a-home-equity-loan-be-denied')\" :aria-controls=\"$id('panel-why-would-a-home-equity-loan-be-denied')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Why would a home equity loan be denied?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-why-would-a-home-equity-loan-be-denied')\" :aria-labelledby=\"$id('heading-why-would-a-home-equity-loan-be-denied')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Poor credit, a high DTI, insufficient equity or unstable income are among the reasons applicants may not be approved for a HELOC or home equity loan. If you fall into this boat, focus on the reason for the denial and try improving it \u2014 like increasing your equity stake (by paying down your mortgage) or improving your credit score before reapplying. Or try another lender. Remember, just because one denies your loan, it doesn\u2019t mean another one will.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-whos-most-likely-to-get-a-home-equity-loan', 'heading-whos-most-likely-to-get-a-home-equity-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-whos-most-likely-to-get-a-home-equity-loan')\" :aria-controls=\"$id('panel-whos-most-likely-to-get-a-home-equity-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Who\u2019s most likely to get a home equity loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-whos-most-likely-to-get-a-home-equity-loan')\" :aria-labelledby=\"$id('heading-whos-most-likely-to-get-a-home-equity-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Home equity loan borrowers tend to be a well-heeled, highly creditworthy lot, with qualifications far above the minimum requirements \u2014 or even the average homeowner\u2019s. The best person to take out a home equity loan has paid off a large chunk of their mortgage, owning at least half of the home outright. That often means they\u2019ve owned the home a while, for a decade or so (or they bought it mostly with cash). Their debt-to-income ratio is around 40%. But what really sets them apart is superb credit: We\u2019re talking about 750 or higher.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-can-i-improve-my-chances-of-being-approved-for-a-home-equity-loan', 'heading-how-can-i-improve-my-chances-of-being-approved-for-a-home-equity-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-can-i-improve-my-chances-of-being-approved-for-a-home-equity-loan')\" :aria-controls=\"$id('panel-how-can-i-improve-my-chances-of-being-approved-for-a-home-equity-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How can I improve my chances of being approved for a home equity loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Caret Down Icon<\/default:title><br \/>\n<default:path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/default:svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-can-i-improve-my-chances-of-being-approved-for-a-home-equity-loan')\" :aria-labelledby=\"$id('heading-how-can-i-improve-my-chances-of-being-approved-for-a-home-equity-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            Start by keeping your credit score in good shape and checking for errors beforehand to make sure everything goes smoothly. It\u2019s also important to pay down high-interest debt and make sure your home has enough equity. Lenders also look at your income and debt-to-income ratio, so showing steady income and manageable monthly obligations can go a long way toward getting approved.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\n<h2 data-position=\"6\" data-beam-element-viewed=\"\" data-id=\"br-h2-6-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"\u00a0\" data-outcome=\"\">\u00a0<\/h2>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"F9R8Mcc83D\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><default:svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><default:title>Thumbs Up Icon<\/default:title><default:path d=\"M13.165 2.175c.322 0 .57.022.774.065.796.161 1.43.624 1.85 1.345.71 1.216.722 3.067.023 5.499h.516c2.28 0 3.422 0 4.337.548a3.844 3.844 0 0 1 1.721 2.25c.29 1.032 0 2.13-.592 4.336l-.516 1.926c-.312 1.151-.484 1.786-.882 2.324a3.368 3.368 0 0 1-1.442 1.098c-.625.247-1.28.248-2.475.248l-.021.01h-4.595c-.42 0-.636 0-.84-.032a4.19 4.19 0 0 1-.635-.15c-.204-.065-.387-.162-.763-.355l-1.69-.856c-.014.034-.026.069-.043.102a2.334 2.334 0 0 1-1.044 1.044c-.495.247-1.012.248-1.948.248h-.161c-.936 0-1.453 0-1.947-.248a2.333 2.333 0 0 1-1.044-1.044C1.5 20.038 1.5 19.52 1.5 18.585v-7.683c0-.936 0-1.452.248-1.947A2.387 2.387 0 0 1 2.792 7.91c.494-.248 1.01-.247 1.947-.247h.16c.937 0 1.454 0 1.95.247.353.177.653.44.875.763.64-.606 1.788-2.184 3.31-5.142.183-.366.312-.603.538-.819.193-.193.462-.355.72-.441.302-.097.539-.097.873-.097ZM4.739 9.288c-.624 0-1.076 0-1.227.076a.721.721 0 0 0-.323.322c-.075.15-.075.603-.075 1.216v7.683c0 .624 0 1.076.075 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4.175c-.28-.14-.41-.215-.56-.27a1.796 1.796 0 0 0-.344-.085c-.151-.022-.313-.01-.625-.022H7.503Zm11.596.001c-.625 0-1.077 0-1.228.076a.72.72 0 0 0-.323.322c-.075.15-.075.603-.075 1.226v7.68c0 .623 0 1.075.075 1.226.075.14.183.247.323.322.15.075.603.075 1.228.075h.16c.625 0 1.078 0 1.228-.075a.778.778 0 0 0 .324-.322c.075-.151.075-.603.075-1.227V5.423c0-.623 0-1.076-.075-1.226a.722.722 0 0 0-.324-.322c-.15-.076-.603-.076-1.227-.076h-.161Z\" class=\"icon-base\"\/><\/default:svg><\/span> <span class=\"text-base leading-4\">No<\/span><br \/>\n            <\/button>\n        <\/div>\n<\/p><\/div>\n<p>    <!-- Yes Form --><\/p>\n<p>    <!-- No Form --><\/p>\n<div class=\"HelpfulCTA-thankyou flex flex-col items-center gap-2\" data-cta-thankyou=\"\" style=\"display:none;\">\n<p>Thank you for your<br \/>\n            feedback!<\/p>\n<p>Your input helps us improve our<br \/>\n            content and services.<\/p>\n<\/p><\/div>\n<\/div><\/div>\n<p>Read the full article <a 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Home equity loans and home equity lines of credit (HELOC) have become popular ways for homeowners to access their available equity to pay for expenses like home renovations or consolidating debt.<\/p>\n","protected":false},"author":1,"featured_media":23179,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-23178","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding The Home Equity Loan Approval Process | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Getty Images\/Greg Hinsdale You hear a lot these days about tapping home equity \u2013 borrowing against the worth of your home \u2013 for cash. 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