Click here for tips on obtaining the best home equity loan.

Here is a list of  home equity loan lenders along with a description of their procedures and policies:

ING Direct: Get a home equity loan rate as low as 7.50% variable APR. You can borrow up to $250,000 with no application fees, no annual fee and no prepayment penalties. It's a line of credit or a loan. Also, their rate lock feature lets you convert to a fixed loan at any time. They have a knowledgeable staff, and are very pleasant to work with. You can click here for ING DIRECT Orange Mortgage  Great home equity loan rates. Easy Online Application.

Americas Lending Partners: Founded in 1999 by former MoneyStore and FirstPlus Financial executives, Americas Lending Partners specializes only in real estate loans, including a home equity loan. They service requests in all 50 states. Also,  they have 100's of lenders in their network who cater to fair and good credit types - people with "less than perfect credit." If your credit is in the lower half of the scale, we suggest you give them a shot at your home equity loan. America’s Lending Partners’ free loan request service will match you with up to four lenders to help you lower your interest rate on a home equity loan.

Green Point Mortgage: The friendly folks at Green Point Mortgage specialize in no documentation loans. These are especially attractive to self-employed and business owners. The home equity loan process is less intrusive and more efficient. Click here to apply for their No Documentation Home Equity Loan.

Lending Tree: The sheer size of their company allows Lending Tree to be very competitive in the home equity loan market. Lending Tree has over 200 lenders in their network You simply can't find a faster source for a home equity loan. You can literally get up to 4 offers for a home equity loan in just a few minutes. Click here for Lending Tree Home Equity Loan.

Loan Atlas: Loan Atlas has a very simple process for applying for a home equity loan. Their home equity application form is the simplest of all that we've seen. They will provide today's mortgage quotes. To fill out their 30-second form for a home equity loan Click here.

Planet Loan: Planet Loan is another company that has a large number of lenders in their network. They have at least one loan program for everyone. They offer a home equity loan for every situation: high credit score, high debt ratios, low credit score, commercial loans, etc. To apply for a home equity loan with Planet Loan while rates are still low and home values are still high. click here now.

HOME EQUITY LOAN Tips:

There are several factors that come into play in order to qualify for the best interest rates on a home equity loan:

First, the higher your credit score, the better interest rate you will get on your home equity loan. The basics of getting a high credit score are paying your bills on time, keeping your credit card balances at zero or very low, and keeping your credit inquiries to a minimum. For complete information on getting a high credit score, click on credit score.

Second, it is implied that you will need some equity in your home to qualify for a home equity loan. Most lenders will let you borrow up to 80% of  your home's value minus any outstanding balances. There are some steps you can take to increase your home's value. A higher appraisal will mean a higher amount available for a home equity loan. See our section on home appraisal for ways to increase your home's value.

Third, the higher your debt ratios are, the less likely you are to qualify for a home equity loan. Consider ways to reduce your debt before you apply for a home equity loan. By paying off credit card balances, department store accounts, and auto loans, you greatly reduce your debt ratio, and boost your ability to get the best home equity loan.

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News update:

Federal Reserve Board to hold four public hearings on the home equity lending market.