{"id":27419,"date":"2026-02-24T00:42:28","date_gmt":"2026-02-24T00:42:28","guid":{"rendered":"https:\/\/finprosalerts.com\/?p=27419"},"modified":"2026-02-24T00:42:29","modified_gmt":"2026-02-24T00:42:29","slug":"what-is-a-home-equity-loan-and-how-do-you-get-one","status":"publish","type":"post","link":"https:\/\/finprosalerts.com\/?p=27419","title":{"rendered":"What Is a Home Equity Loan and How Do You Get One?"},"content":{"rendered":"<div>\n<div id=\"block_382a3242ab075db2d03aefe08f555783\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            A home equity loan allows you to borrow a lump sum against your home\u2019s equity, usually at a fixed interest rate that\u2019s lower than other forms of consumer debt.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            The amount you can borrow with a home equity loan is based on the current market value of your home, the size of your mortgage and personal financials like your credit score and income.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Home equity loans are best used for five-figure renovation or repair projects \u2014 which can make their interest tax-deductible \u2014 or to consolidate other debts.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Home equity loan drawbacks include putting your home at risk of foreclosure and a lengthy application process.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>When you need extra money, a home equity loan can come in handy. But what is a home equity loan exactly? It\u2019s a type of second mortgage secured by the equity in your home. It offers a set amount at a fixed interest rate, so it\u2019s best for borrowers who know exactly how much money they need. You\u2019ll receive the funds in a lump sum, then make regular monthly repayments, amortized over the term of the loan, typically up to 30 years.<\/p>\n<p>Because your home serves as collateral for a home equity loan, the amount you can borrow is based on its current market value. The interest rate you receive on a home equity loan (as with other loans) will vary depending on your lender, credit score, income and other factors.<\/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                    For comparison\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>While today\u2019s home equity loan rates are higher compared to their average of 6% in 2022, they\u2019re still significantly lower than other forms of consumer debt. Credit card rates are lingering around the 20% mark, and personal loans can stretch into the 25-35% range for borrowers with less-than-perfect credit scores.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h2 id=\"work\" 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=\"How do home equity loans work?\" data-outcome=\"\">How do home equity loans work?<\/h2>\n<p>When you take out a home equity loan, the lender approves you for a loan amount based on the percentage of equity you have in your home (among other factors). You\u2019ll receive the loan proceeds in a lump sum, then repay what you borrowed in fixed monthly installments that include principal and interest over a set period. Although terms vary, home equity loans can be repaid over a period of up to 30 years.<\/p>\n<p>Since your home secures the loan, the property could be foreclosed upon if you can\u2019t repay what you borrowed. The lender has a right to seize it to recoup its money. If that happens, it can cause serious damage to your credit score, making it harder for you to qualify for future loans.<\/p>\n<p>\u201cBefore getting a home equity loan, make sure you understand all the loan terms, including the interest rates, draw period and any fees and charges,\u201d says Linda Bell, senior writer for Bankrate. \u201cIt\u2019s important to only borrow what you can afford to repay comfortably.\u201d<\/p>\n<h2 id=\"requirements\" 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=\"Home equity loan requirements\" data-outcome=\"\">Home equity loan requirements<\/h2>\n<p>Different lenders have different requirements for home equity loans, but generally, the standards include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Credit score:<\/strong> Mid-600s or higher<\/li>\n<li>\n<strong>Home equity: <\/strong>At least 20% of the home\u2019s value<\/li>\n<li>\n<strong>Employment and income:<\/strong> At least two years of employment history and pay stubs from the past 30 days<\/li>\n<li>\n<strong>Debt-to-income (DTI) ratio: <\/strong>No more than 43%<\/li>\n<li>\n<strong>Loan-to-value (LTV) ratio:<\/strong> No more than 80%<\/li>\n<\/ul>\n<p>If you fall short in any of these areas, your chances of approval decrease significantly. And times are getting tougher for borrowing in general. Nearly half (48%) of Americans who applied for a loan or financial product between December 2023 and December 2024 were turned down, including the 4% who were home equity loan and HELOC applicants, according to Bankrate\u2019s latest Credit Denials Survey.<\/p>\n<div class=\"BlockQuote pb-8 BlockQuote--bordered flex flex-col items-center text-center md:text-left md:flex-row gap-3 md:gap-8 mb-8 md:mb-0\">\n<blockquote class=\"BlockQuote-text text-center md:text-left\"><p>\n        <q>If you&#8217;ve been denied a home equity loan by a lender, focus on the reasons behind the denial. Whether you have a poor credit history, a high debt-to-income ratio, unstable income or insufficient equity in your home, work on fixing the issues before you consider reapplying.<\/q><br \/>\n                    <cite class=\"PullQuote-cite text-gray-900 ml-0 md:ml-4\"><br \/>\n                \u2014 Linda Bell, Senior Writer, Bankrate<br \/>\n            <\/cite>\n            <\/p><\/blockquote>\n<\/div>\n<h2 id=\"2026\" 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=\"Home equity loans in 2026\" data-outcome=\"\">Home equity loans in 2026<\/h2>\n<p>As of January 2026, the median home sale price is $396,800, according to the National Association of Realtors, up slightly from one year earlier and marking the 31<sup>st<\/sup> consecutive month of year-over-year price increases. That\u2019s good news for the net worth of American homeowners who are seeking to tap their home equity. According to the Board of Governors of the Federal Reserve System, U.S. households possessed over $34.3 trillion in home equity in the third quarter of 2025.<\/p>\n<p>That means many homeowners are sitting on a huge pile of equity they can leverage to access cash, including through a home equity loan. In the third quarter of 2025, the average mortgage-holding homeowner held around $299,000 in home equity, according to property data analyst Cotality. Around $239,000 of that is tappable (that is, able to be withdrawn while leaving 20% of the equity stake intact).<\/p>\n<p>Adding to the temptation to tap: Borrowing costs for home equity loan rates \u2014 along with those of HELOCs, their line-of-credit cousins \u2014 have plummeted to a two-year low following a trio of rate cuts by the Federal Reserve in 2025.\u00a0<\/p>\n<div class=\"Callout flex flex-col gap-y-6 border-4 border-solid border-blue-100 rounded-lg py-8 px-6 md:px-10 mt-8 mb-16\">\n            <!-- htmlmin:ignore --><\/p>\n<h3 class=\"heading-3 my-0 text-crop-none text-blue-700\">\n    8.06%<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<p>\n        The national average $30,000 15-year home equity loan rate in February 2026 \u2014 down from nearly 9% at the start of 2024.<\/p>\n<p class=\"SourceLinkList text-gray-700 m-0\">Source:<\/p>\n<p>                    Bankrate national survey of lenders\n            <\/p>\n<\/p><\/div>\n<p>Per TransUnion\u2019s latest report, home equity originations grew for the fifth consecutive quarter, rising 14% year-over-year as of Q2 2025. While Gen X and Boomers lead in total volume, Gen Z saw the most rapid growth with home equity loans rising 23%.<\/p>\n<h2 id=\"what-for\" 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=\"What should you use a home equity loan for?\" data-outcome=\"\">What should you use a home equity loan for?<\/h2>\n<p>You can use the funds from a home equity loan for any purpose. Some of the best reasons to use one include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Upgrading your home:<\/strong> Whether you\u2019re looking to remodel your kitchen, add an in-law suite or install solar shingles on your roof, a home equity loan can be a smart way to pay for the enhancements. You\u2019ll be improving your home, which means you\u2019ll enjoy living there more, and when you\u2019re ready to sell, the upgrade can make it more attractive (and more valuable) to buyers. Plus, you can qualify for some tax benefits \u2014 a deduction on the interest \u2014 when you use a loan to invest in the property in this way.<\/li>\n<li>\n<strong>Consolidating high-interest debt:<\/strong> If you\u2019ve been struggling to pay off debts with high costs like credit cards, a home equity loan can reduce the amount you pay in interest. However, if you\u2019re considering this route, there are two important caveats. First, you need to be genuinely committed to not letting those credit card balances build up again. Second, the amount of debt needs to be significant. Credit card balance transfers can be a better option if you\u2019re aiming to pay off less than $10,000.<\/li>\n<li>\n<strong>Covering large medical bills:<\/strong> Health care can be costly, and medical problems often arise unexpectedly. If you or a family member needs a procedure, treatment or long-term care that isn\u2019t fully covered by insurance, a home equity loan could be a good way to handle these healthcare costs.<\/li>\n<\/ul>\n<h2 id=\"how-much\" 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=\"How much can I borrow with a home equity loan?\" data-outcome=\"\">How much can I borrow with a home equity loan?<\/h2>\n<p>To figure out how much you can borrow with a home equity loan, you first need to understand how much home equity you have. Your equity is the difference between how much your home is worth and how much you owe on your first mortgage. For example, if your home\u2019s current fair market value is $500,000 and you owe $250,000, you have a 50% equity stake.<\/p>\n<p>Most lenders will let you borrow up to 80% of your equity stake (some let you go as high as 85 or even 90%). However, most home equity loan lenders will cap your total amount of home-secured debt \u2014 including your first mortgage \u2014 at 80% of the home\u2019s market value. So, in that case, you would likely be able to borrow up to $150,000, taking your total mortgage debt to $400,000 (80% of $500,000). Bankrate\u2019s home equity calculator can help you estimate your exact borrowing power.<\/p>\n<h2 id=\"tips\" 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=\"Tips to get the best home equity loan rates\" data-outcome=\"\">Tips to get the best home equity loan rates<\/h2>\n<p>Here are some practical ways to boost your chances of getting approved for a home equity loan:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Improve your credit<\/strong>: Home equity borrowers generally need better-than-average credit. You can improve your score by reducing your debt, paying bills on time and fixing errors on your credit report.<\/li>\n<li>\n<strong>Increase your equity stake<\/strong>: \u201cEquity-rich\u201d borrowers, who own more than 50 percent of their homes outright, make the strongest candidates. Increase your home equity stake by making extra mortgage payments and investing in renovations that enhance your home\u2019s value. The more equity you have, the lower the lender\u2019s risk.<\/li>\n<li>\n<strong>Pay down debt<\/strong>: Lower your debt-to-income ratio (DTI) by paying down your outstanding balances \u2014 try not to use more than about one-third of your available credit on any card. A lower DTI shows lenders you have a good balance between income and expenses, and that you can handle an additional monthly obligation.<\/li>\n<li>\n<strong>Shop around<\/strong>: Compare home equity loan terms and rates with at least three banks, credit unions or online lenders. Each lender has different criteria, so it\u2019s best to shop around. Don\u2019t be afraid to ask for a better deal. The worst they can say is no.<\/li>\n<\/ul>\n<h2 id=\"pros-cons\" data-position=\"7\" data-beam-element-viewed=\"\" data-id=\"br-h2-7-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Home equity loan pros and cons\" data-outcome=\"\">Home equity loan pros and cons<\/h2>\n<div id=\"block_0345e20bb39a962051764b88444ced37\" class=\"flex flex-col gap-8 my-6 not-wysiwyg\">\n<div class=\"ProsAndConsList\" data-js-selector=\"ProsAndConsList\">\n<div class=\"ProsAndConsItem\">\n        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Pros<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"ProsAndConsItem-list\">\n<li>\n                    Attractive interest rates: Home equity lenders typically charge lower interest rates than those on personal loans and credit cards. This is because home equity loans are secured debt, meaning your home serves as collateral for the loan. This makes them less risky for the lender than unsecured debt, which isn\u2019t collateralized.\n                <\/li>\n<li>\n                    Fixed monthly payments: Home equity loans offer the stability of a fixed interest rate and monthly payment, simplifying budgeting. This also eliminates the risk of a sudden increase in costs with a variable-rate product, such as a credit card or a home equity line of credit (HELOC).\n                <\/li>\n<li>\n                    Tax advantages: You could be eligible for a tax deduction of the loan interest if you use the loan proceeds to substantially improve or repair the home. Check with an accountant or tax professional to learn more about this deduction and to determine whether you qualify.\n                <\/li>\n<\/ul><\/div>\n<div class=\"ProsAndConsItem\">\n        <!-- htmlmin:ignore --><\/p>\n<h3 class=\"ProsAndConsItem-header\">\n    Cons<br \/>\n    <\/h3>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"ProsAndConsItem-list\">\n<li>\n                    Risk of foreclosure: Your home is the collateral for a home equity loan, so if you can\u2019t repay the debt, your lender could initiate foreclosure proceedings.\n                <\/li>\n<li>\n                    No flexibility: If you aren\u2019t sure how much money you need to borrow, a home equity loan might not be the best choice. Because home equity loans only offer a fixed lump sum, you run the risk of borrowing too little. On the flip side, you might borrow too much, which you\u2019ll still need to repay with interest (though you might be able to settle the debt early, if that\u2019s the case).\n                <\/li>\n<li>\n                    Lengthy, costly application: Applying for a home equity loan is akin to applying for a mortgage. It often means lots of paperwork, a long process and closing costs.\n                <\/li>\n<\/ul><\/div>\n<\/div><\/div>\n<h2 id=\"alternatives\" data-position=\"8\" data-beam-element-viewed=\"\" data-id=\"br-h2-8-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Home equity loan alternatives\" data-outcome=\"\">Home equity loan alternatives<\/h2>\n<p>A home equity loan isn\u2019t your only option for borrowing against your ownership stake. Some alternatives include:<\/p>\n<ul class=\"wp-block-list\">\n<li>\n<strong>Home equity line of credit (HELOC): <\/strong>A HELOC \u2014 short for home equity line of credit \u2014 is also secured by the equity in your home and has similar requirements, but it operates a bit differently. With a HELOC, you can borrow money on an as-needed basis, up to a set limit, typically over a 10-year draw period. During that time, you\u2019ll make interest-only payments on what you borrow. This means your payments may be smaller than those for a home equity loan, which includes both interest and principal. When the draw period on the HELOC ends, you\u2019ll repay what you borrowed and any interest, usually over a repayment term of up to 20 years. Unlike home equity loans, HELOCs have variable interest rates, which means your monthly payments can change.<\/li>\n<li>\n<strong>Shared equity agreements: <\/strong>Investment companies like Unlock and Hometap offer shared equity agreements, which let homeowners access cash now in exchange for a portion of the home\u2019s value in the future. These arrangements vary, but they all have one upside: You don\u2019t have to make monthly payments, because the money is technically not a loan, but an investment \u2014 funds in exchange for a share in your home. However, they all have the same downside: You\u2019re going to make a big payment eventually, and it\u2019s likely to come out of the proceeds when you sell the home.<\/li>\n<li>\n<strong>Cash-out refinance:<\/strong> Another option to convert a portion of your home equity into cash is a cash-out refinance. Unlike a home equity loan, a cash-out refi replaces your current mortgage with a new one for a higher amount, and you take the difference in cash. You\u2019ll need to carefully consider a cash-out refi based on the rate on your current mortgage. If you managed to lock in a super-low rate during the pandemic, a cash-out refinance is almost certain to lock you into a significantly higher rate.<\/li>\n<\/ul>\n<p><em>Additional reporting by David McMillin<\/em><\/p>\n<h2 id=\"faq\" data-position=\"9\" data-beam-element-viewed=\"\" data-id=\"br-h2-9-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-does-taking-out-a-home-equity-loan-hurt-your-credit', 'heading-does-taking-out-a-home-equity-loan-hurt-your-credit']\" 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-does-taking-out-a-home-equity-loan-hurt-your-credit')\" :aria-controls=\"$id('panel-does-taking-out-a-home-equity-loan-hurt-your-credit')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Does taking out a home equity loan hurt your credit?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-does-taking-out-a-home-equity-loan-hurt-your-credit')\" :aria-labelledby=\"$id('heading-does-taking-out-a-home-equity-loan-hurt-your-credit')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Applying for and receiving any new debt, including a home equity loan, has an impact on your credit score. After you close on a home equity loan, your score might decrease temporarily. Over time, as you continue to make timely payments on the loan, you might see your score recover and even improve.\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-how-long-do-you-have-to-repay-a-home-equity-loan', 'heading-how-long-do-you-have-to-repay-a-home-equity-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-how-long-do-you-have-to-repay-a-home-equity-loan')\" :aria-controls=\"$id('panel-how-long-do-you-have-to-repay-a-home-equity-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    How long do you have to repay a home equity loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-how-long-do-you-have-to-repay-a-home-equity-loan')\" :aria-labelledby=\"$id('heading-how-long-do-you-have-to-repay-a-home-equity-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            It varies by lender, but most home equity loans come with repayment periods between five and 30 years. A longer loan term means you\u2019ll get more affordable monthly payments. That said, you\u2019ll also pay far more in interest with a longer term. If you can afford the higher monthly payments, selecting a shorter term maximizes overall cost. The ideal is to find a compromise between the two: the maximum manageable payments and the shortest loan term.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-are-there-fees-associated-with-home-equity-loans', 'heading-are-there-fees-associated-with-home-equity-loans']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-are-there-fees-associated-with-home-equity-loans')\" :aria-controls=\"$id('panel-are-there-fees-associated-with-home-equity-loans')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Are there fees associated with home equity loans?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-are-there-fees-associated-with-home-equity-loans')\" :aria-labelledby=\"$id('heading-are-there-fees-associated-with-home-equity-loans')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            Fees for home equity loans vary by lender, which makes it very important to compare offers. Some home equity lenders require you to pay an origination fee and other closing costs, typically between 2% and 5% of the loan balance. You might also pay a home appraisal fee. Once the loan proceeds are disbursed to you, late fees could apply if you remit payment after the monthly due date or grace period (if applicable).\n        <\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-what-is-the-best-time-to-get-a-home-equity-loan', 'heading-what-is-the-best-time-to-get-a-home-equity-loan']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-what-is-the-best-time-to-get-a-home-equity-loan')\" :aria-controls=\"$id('panel-what-is-the-best-time-to-get-a-home-equity-loan')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    What is the best time to get a home equity loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-what-is-the-best-time-to-get-a-home-equity-loan')\" :aria-labelledby=\"$id('heading-what-is-the-best-time-to-get-a-home-equity-loan')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            The best time to obtain a home equity loan is when you have accrued significant equity in your property while also maintaining a small mortgage balance, a strong credit score and a low debt-to-income ratio. Although most lenders require that you have at least 20% equity, there is typically no waiting period to apply for a home equity loan after purchasing a home.\n        <\/p>\n<\/div>\n<\/li>\n<\/ul>\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=\"1ZUBxaGGjh\" 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\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><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 1.227.065.14.183.248.323.323.151.075.603.075 1.227.075h.16c.625 0 1.078 0 1.228-.075a.722.722 0 0 0 .323-.323c.075-.15.075-.603.075-1.227v-7.683c0-.624 0-1.065-.075-1.227a.672.672 0 0 0-.323-.322c-.15-.075-.603-.076-1.227-.076h-.161v.01ZM13.057 3.8c-.14 0-.226 0-.259.011-.032 0-.086.043-.107.064a2.98 2.98 0 0 0-.226.399c-2.187 4.272-3.53 5.647-4.33 6.092.003.162.004.34.004.536v7.82l2.217 1.122c.28.14.42.216.56.27.107.032.214.064.332.075.151.021.314.021.626.021h4.594c1.022 0 1.539 0 1.862-.129a1.84 1.84 0 0 0 .763-.58c.215-.28.355-.808.613-1.765l.517-1.927c.495-1.85.775-2.873.603-3.475a2.309 2.309 0 0 0-1-1.313c-.538-.323-1.594-.323-3.51-.323h-1.129c-.226 0-.473 0-.72-.15a1.087 1.087 0 0 1-.464-.614c-.075-.301 0-.528.076-.754.957-2.97.603-4.26.301-4.777-.183-.312-.44-.506-.774-.57-.14-.033-.377-.033-.549-.033Z\" class=\"icon-base\"\/><\/svg><\/span> <span class=\"text-base leading-4\">Yes<\/span><br \/>\n            <\/button><br \/>\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--no 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-no=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-no\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"No\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Down Icon<\/title><path d=\"M19.26 2.175c.936 0 1.454 0 1.949.247.452.226.818.592 1.044 1.043.247.495.248 1.012.248 1.948v7.678c0 .936 0 1.453-.248 1.948a2.333 2.333 0 0 1-1.044 1.042c-.495.248-1.013.248-1.95.248h-.16c-.937 0-1.454 0-1.95-.248a2.33 2.33 0 0 1-.885-.777c-.637.596-1.79 2.176-3.314 5.155-.183.365-.312.602-.538.828a1.924 1.924 0 0 1-.722.441c-.258.086-.484.097-.742.097l.022-.011a5.39 5.39 0 0 1-.905-.064 2.741 2.741 0 0 1-1.852-1.345c-.71-1.216-.721-3.066-.022-5.496h-.516c-2.283 0-3.424 0-4.34-.548a3.843 3.843 0 0 1-1.722-2.248c-.29-1.033 0-2.13.593-4.324l.517-1.925c.312-1.162.484-1.786.882-2.323.377-.495.872-.871 1.443-1.097.624-.248 1.281-.248 2.476-.248h4.597c.42 0 .635 0 .84.032.215.032.431.086.636.15.193.065.387.162.753.345l1.702.864c.017-.04.033-.082.053-.122a2.333 2.333 0 0 1 1.044-1.043c.496-.247 1.013-.247 1.95-.247h.16ZM7.503 3.798c-1.022 0-1.54 0-1.862.13-.302.118-.56.322-.765.58-.215.28-.345.775-.614 1.753l-.517 1.926c-.495 1.85-.775 2.871-.602 3.474a2.308 2.308 0 0 0 1 1.312c.539.323 1.594.322 3.51.322h1.142c.236 0 .473 0 .72.15.227.14.388.367.453.625.075.28 0 .516-.075.742-.959 2.969-.603 4.27-.301 4.775.183.312.44.506.774.57.162.033.41.033.572.033.128 0 .203 0 .236-.01.021 0 .085-.044.107-.065.032-.032.14-.237.227-.399 2.208-4.308 3.556-5.671 4.352-6.102a39.945 39.945 0 0 1-.003-.523v-7.79L13.63 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\"\/><\/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 href=\"https:\/\/www.bankrate.com\/home-equity\/what-is-home-equity-loan\/\" target=\"_blank\" rel=\"noopener\" rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways A home equity loan allows you to borrow a lump sum against your home\u2019s equity, usually at a fixed interest rate that\u2019s lower than other forms of consumer debt. The amount you can borrow with a home equity loan is based on the current market value of your home, the size of your<\/p>\n","protected":false},"author":1,"featured_media":27420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":{"0":"post-27419","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-mortgage"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is a Home Equity Loan and How Do You Get One? - Fin Pros Alerts<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finprosalerts.com\/?p=27419\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Home Equity Loan and How Do You Get One? - Fin Pros Alerts\" \/>\n<meta property=\"og:description\" content=\"Key takeaways A home equity loan allows you to borrow a lump sum against your home\u2019s equity, usually at a fixed interest rate that\u2019s lower than other forms of consumer debt. The amount you can borrow with a home equity loan is based on the current market value of your home, the size of your\" \/>\n<meta property=\"og:url\" content=\"https:\/\/finprosalerts.com\/?p=27419\" \/>\n<meta property=\"og:site_name\" content=\"Fin Pros Alerts\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-24T00:42:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-24T00:42:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2026\/02\/what-is-home-equity-loan.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Press Room\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Press Room\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/finprosalerts.com\/?p=27419\",\"url\":\"https:\/\/finprosalerts.com\/?p=27419\",\"name\":\"What Is a Home Equity Loan and How Do You Get One? - Fin Pros Alerts\",\"isPartOf\":{\"@id\":\"https:\/\/finprosalerts.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/finprosalerts.com\/?p=27419#primaryimage\"},\"image\":{\"@id\":\"https:\/\/finprosalerts.com\/?p=27419#primaryimage\"},\"thumbnailUrl\":\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2026\/02\/what-is-home-equity-loan.jpg\",\"datePublished\":\"2026-02-24T00:42:28+00:00\",\"dateModified\":\"2026-02-24T00:42:29+00:00\",\"author\":{\"@id\":\"https:\/\/finprosalerts.com\/#\/schema\/person\/23d9846b70a9d45ad5915609e555e92d\"},\"breadcrumb\":{\"@id\":\"https:\/\/finprosalerts.com\/?p=27419#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/finprosalerts.com\/?p=27419\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/finprosalerts.com\/?p=27419#primaryimage\",\"url\":\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2026\/02\/what-is-home-equity-loan.jpg\",\"contentUrl\":\"https:\/\/finprosalerts.com\/wp-content\/uploads\/2026\/02\/what-is-home-equity-loan.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/finprosalerts.com\/?p=27419#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/finprosalerts.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What Is a Home Equity Loan and How Do You Get One?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/finprosalerts.com\/#website\",\"url\":\"https:\/\/finprosalerts.com\/\",\"name\":\"Fin Pros Alerts\",\"description\":\"Latest Personal Finance News and Updates\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/finprosalerts.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/finprosalerts.com\/#\/schema\/person\/23d9846b70a9d45ad5915609e555e92d\",\"name\":\"Press Room\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/finprosalerts.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2aa5c51460015b35031be57f90bef374c5a0e3e79984ddfe0d06ee5f701c90b1?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2aa5c51460015b35031be57f90bef374c5a0e3e79984ddfe0d06ee5f701c90b1?s=96&d=mm&r=g\",\"caption\":\"Press Room\"},\"sameAs\":[\"https:\/\/finprosalerts.com\"],\"url\":\"https:\/\/finprosalerts.com\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What Is a Home Equity Loan and How Do You Get One? - Fin Pros Alerts","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/finprosalerts.com\/?p=27419","og_locale":"en_US","og_type":"article","og_title":"What Is a Home Equity Loan and How Do You Get One? - Fin Pros Alerts","og_description":"Key takeaways A home equity loan allows you to borrow a lump sum against your home\u2019s equity, usually at a fixed interest rate that\u2019s lower than other forms of consumer debt. The amount you can borrow with a home equity loan is based on the current market value of your home, the size of your","og_url":"https:\/\/finprosalerts.com\/?p=27419","og_site_name":"Fin Pros Alerts","article_published_time":"2026-02-24T00:42:28+00:00","article_modified_time":"2026-02-24T00:42:29+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/finprosalerts.com\/wp-content\/uploads\/2026\/02\/what-is-home-equity-loan.jpg","type":"image\/jpeg"}],"author":"Press Room","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Press Room","Est. reading time":"13 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/finprosalerts.com\/?p=27419","url":"https:\/\/finprosalerts.com\/?p=27419","name":"What Is a Home Equity Loan and How Do You Get One? - Fin Pros Alerts","isPartOf":{"@id":"https:\/\/finprosalerts.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/finprosalerts.com\/?p=27419#primaryimage"},"image":{"@id":"https:\/\/finprosalerts.com\/?p=27419#primaryimage"},"thumbnailUrl":"https:\/\/finprosalerts.com\/wp-content\/uploads\/2026\/02\/what-is-home-equity-loan.jpg","datePublished":"2026-02-24T00:42:28+00:00","dateModified":"2026-02-24T00:42:29+00:00","author":{"@id":"https:\/\/finprosalerts.com\/#\/schema\/person\/23d9846b70a9d45ad5915609e555e92d"},"breadcrumb":{"@id":"https:\/\/finprosalerts.com\/?p=27419#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/finprosalerts.com\/?p=27419"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/finprosalerts.com\/?p=27419#primaryimage","url":"https:\/\/finprosalerts.com\/wp-content\/uploads\/2026\/02\/what-is-home-equity-loan.jpg","contentUrl":"https:\/\/finprosalerts.com\/wp-content\/uploads\/2026\/02\/what-is-home-equity-loan.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/finprosalerts.com\/?p=27419#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/finprosalerts.com\/"},{"@type":"ListItem","position":2,"name":"What Is a Home Equity Loan and How Do You Get One?"}]},{"@type":"WebSite","@id":"https:\/\/finprosalerts.com\/#website","url":"https:\/\/finprosalerts.com\/","name":"Fin Pros Alerts","description":"Latest Personal Finance News and Updates","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/finprosalerts.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/finprosalerts.com\/#\/schema\/person\/23d9846b70a9d45ad5915609e555e92d","name":"Press Room","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/finprosalerts.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2aa5c51460015b35031be57f90bef374c5a0e3e79984ddfe0d06ee5f701c90b1?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2aa5c51460015b35031be57f90bef374c5a0e3e79984ddfe0d06ee5f701c90b1?s=96&d=mm&r=g","caption":"Press Room"},"sameAs":["https:\/\/finprosalerts.com"],"url":"https:\/\/finprosalerts.com\/?author=1"}]}},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/finprosalerts.com\/index.php?rest_route=\/wp\/v2\/posts\/27419","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finprosalerts.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finprosalerts.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finprosalerts.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finprosalerts.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=27419"}],"version-history":[{"count":1,"href":"https:\/\/finprosalerts.com\/index.php?rest_route=\/wp\/v2\/posts\/27419\/revisions"}],"predecessor-version":[{"id":27421,"href":"https:\/\/finprosalerts.com\/index.php?rest_route=\/wp\/v2\/posts\/27419\/revisions\/27421"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finprosalerts.com\/index.php?rest_route=\/wp\/v2\/media\/27420"}],"wp:attachment":[{"href":"https:\/\/finprosalerts.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=27419"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finprosalerts.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=27419"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finprosalerts.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=27419"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}