Skip to navigationSkip to main content':"";if(a){var r=n.promos.showYahooLogo?"":"yns-no-logo";a=a.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",r).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":R,u=n.panel.headerMsg?"":" "+R,d=c?H:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",a).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,a=void 0,r=void 0;switch(e){case"expanded_panel":o='{promoMarkup}{notifMarkup}',r=n._store.getNotifications(),a=n._generatePanelMarkup(o,r),i.innerHTML=a;break;case"error_panel":a=(o='{errorMsg}').replace("{errorMsg}",n._config.panel.errorMsg),i.innerHTML=a}t&&t()}else t&&t(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML='',this._panelNode=document.getElementById(P))}},{key:"updateBadgeNode",value:function(e){if(e){var t=this._store.getNotifications().newCount,n=this._config.badge.maxCount;if(t){var o=t>n?n+"+":t;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var t=document.getElementById(this._config.panel.styleTagId);t||((t=document.createElement("style")).type="text/css",t.id=this._config.panel.styleTagId,t.innerText=e,document.head.appendChild(t))}}}]),e}(),j=function(){function e(t,n,o){E(this,e);var i=this;i._store=n,i._view=o,i._config=t;var a=i._config.panel;i._panelParentNode=document.querySelector(a.parentSelector),i._badgeNode=i._config.badge.selector&&document.querySelector(i._config.badge.selector),i._indicatorNode=a.indicatorSelector&&document.querySelector(a.indicatorSelector)}return k(e,[{key:"createPanelParentNode",value:function(){this._view.createPanelParentNode(this._panelParentNode),this._notifPanelNode=document.getElementById(P)}},{key:"refreshPanelNode",value:function(e,t){var n=this;x(n._notifPanelNode,D),n._store.fetchNotifications(e,(function(e,o){var i=window.wafer&&window.wafer.base;i&&i.destroy(n._notifPanelNode),e?n._notifPanelNode.innerHTML||(n._view.render("error_panel"),x(n._notifPanelNode,D)):(n._view.render("expanded_panel"),n._view.updateBadgeNode(n._badgeNode),n._showBadge(),n._showIndicator(),n._view.addStyles(o.css)),N(n._notifPanelNode,D),i&&i.sync(n._notifPanelNode.parentNode),t&&t(e,o)}))}},{key:"resetBadge",value:function(){var e=this;e._store.resetNewCount(),e._view.updateBadgeNode(e._badgeNode),x(e._badgeNode,e._config.badge.hideClass)}},{key:"_showIndicator",value:function(){this._indicatorNode&&(this._store.getNotifications().newCount?x(this._indicatorNode,this._config.panel.indicatorClass):N(this._indicatorNode,this._config.panel.indicatorClass))}},{key:"_showBadge",value:function(){var e=this;e._store.getNotifications().newCount?N(e._badgeNode,e._config.badge.hideClass):x(e._badgeNode,e._config.badge.hideClass)}}]),e}(),Y={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0,bypassEligibleClassCheck:!1,notifOnboardBtnLabel:"Notify Me",notifOnboardMsg:"Get alerts for breaking news and top stories",promoLogo:"https://s.yimg.com/cv/apiv2/ae/news/circle_bell.png",showYahooLogo:!0,subscriptionTopic:"gondor_homerun_news"},badge:{hideClass:"",maxCount:5,selector:""},panel:{emptyPanelMsg:"You have no new 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n="on".concat(e),o=window.YBAR[n];o&&(t[n]=o)})),window.YBAR.wssid&&(this.wssid=window.YBAR.wssid),window.YBAR.appid&&(this.appid=window.YBAR.appid)),ye.forEach((function(e){var n="on".concat(e);c(e,(function(){for(var o,i=[],a=0;a0){if(o&&i){var n=t>99;o.classList.add("".concat(At)),i.classList.add("count-loaded"),o.textContent=n?"99+":t+"",n?o.classList.add("".concat(Ct)):t>=10&&o.classList.add("".concat(St))}e.onDestroy((function(){o&&(o.textContent="")}))}})).catch((function(){}))}(e,s)}));var Ut="_yb_1e46uhr",jt=function(e,t){var n;t.logoImages&&(n=t.logoImages).length>0&&Array.prototype.forEach.call(n,(function(e){e.onerror=function(){e.onerror=null,e.style.display="none"}})),t.wrapper&&(function(e,t){e&&(xe("#ybar-logo","#ybar-logo",t),t.onDestroy((function(){e.classList.remove("ybar-show-outline"),e.classList.remove("ybar-hide-outline")})))}(t.wrapper,e),function(e,t){t&&e.addElementListener(t,"click",(function(){e.triggerEvent("logo-click")}))}(e,t.wrapper))};ge("ybar-mod-logo",(function(e){var t={wrapper:document.getElementById("ybar-logo"),logoImages:document.querySelectorAll(".".concat(Ut))};jt(e,t)}));var Yt={"dropdown-open":"_yb_1qr55t8","merchant-is-selected":"_yb_hpfgev",overlay:"_yb_1t4opbo","selected-merchant-clear-button":"_yb_sdzekv","shops-buttons":"_yb_1gmhi8h","styled-select":"_yb_1fed2vs",tooltip:"_yb_156j5sr","tooltip--show":"_yb_t94u7s",tooltip__text:"_yb_149d3c6",tooltip__voice:"_yb_rkldcd",tooltip__web:"_yb_1bze76z",dark:"_yb_of9a42",darker:"_yb_1br2rz9",light:"_yb_p0373k","search-border-gradient":"_yb_109k2ga","search-border-gradient-hover":"_yb_vljmzl",midnight60:"_yb_1o792pg","search-input-uh3-hover":"_yb_15ox84z","search-input-uh3-focus-visible":"_yb_1e6541m","sa-btn-bar":"_yb_1axm66t","searchbox-icon-uh3":"_yb_1uef33k",empty:"_yb_owcm9n"},Ft=function(e,t){var n=Math.max(e,t),o=Math.min(e,t),i=Math.abs(n-o);return b([],h(new Array(i+1)),!1).map((function(e,t){return o+t}))},zt=function(e,t,n){var o=e.getConfig().bucketConfig,i=(void 0===o?{}:o).enable_search_ui,a=void 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n=e.getConfig();"smartphone"===n.device&&("finance"===n.property&&"crunch"===n.ytheme&&e.addElementListener(t.searchInput,"click",(function(){var n,o;n="search_input_focus_click",null!==(o=re())&&(oe[n]||(oe[n]=o)),e.addElementListener(t.searchForm,"click",(function(){if(t.ybar){if(t.ybar.classList.contains("ybar-searchbox-assist-fullscreen"))return;t.ybar.classList.add("ybar-searchbox-assist-fullscreen"),t.ybar.classList.add("ybar-searchbox-assist-fadein")}if(!document.documentElement.classList.contains("ybar-overlay")){document.documentElement.classList.toggle("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");te("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"})}}))})),e.addElementListener(t.searchBoxPlaceholder,"click",(function(){zt(e,t)})),e.addElementListener(t.searchBoxPlaceholder,"keydown",(function(n){var o=n,i=o.keyCode,a=o.key,r=Ft(65,90),s=b(b([],h(Ft(58,57)),!1),h(Ft(96,105)),!1),c=b(b([],h(r),!1),h(s),!1).includes(i);(32===i||13===i||c)&&(n.preventDefault(),n.stopPropagation(),zt(e,t,c?a:""))})),t.searchBoxBackButton&&(e.addElementListener(t.searchBoxBackButton,"click",(function(e){e.stopPropagation(),window.YAHOO&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&(window.YAHOO.SA.apps[0].view.resetQuery(),window.YAHOO.SA.apps[0].view.hide()),Wt(t);te("ybar","back-close-srch","",{elm:"btn",subsec:"searchbox",itc:"1"})})),e.addElementListener(t.searchInput,"keyup",(function(e){e.stopPropagation();27===e.keyCode&&(e.stopPropagation(),Wt(t))}))),e.addEventListener("viewerClosed",(function(){Wt(t)})),e.onDestroy((function(){Wt(t)})))},Kt=function(){function e(e,t,n){t&&(this.ybar=e,this.elem=t,this.options=n,this.show=this.show.bind(this),this.hide=this.hide.bind(this),this.addEventListeners())}return Object.defineProperty(e.prototype,"tooltip",{get:function(){var e=this;return this.tooltipMarkup||(this.tooltipMarkup=this.createTooltip(),(this.options.tooltipParentElm||this.elem).appendChild(this.tooltipMarkup),this.ybar.onDestroy((function(){var t,n;null===(n=null===(t=e.tooltipMarkup)||void 0===t?void 0:t.parentNode)||void 0===n||n.removeChild(e.tooltipMarkup)}))),this.tooltipMarkup},enumerable:!1,configurable:!0}),e.prototype.show=function(){this.tooltip.classList.add(this.options.showClass)},e.prototype.hide=function(){this.tooltip.classList.remove(this.options.showClass)},e.prototype.addEventListeners=function(){this.ybar.addElementListener(this.elem,"mouseenter",this.show),this.ybar.addElementListener(this.elem,"focus",this.show),this.ybar.addElementListener(this.elem,"mouseleave",this.hide),this.ybar.addElementListener(this.elem,"blur",this.hide)},e.prototype.createTooltip=function(){var e=document.createElement("div");e.className=this.options.containerClass||"";var t=document.createElement("p");return t.textContent=this.options.label,t.className=this.options.textClass||"",e.appendChild(t),e},e}(),Jt={containerClass:Yt.tooltip,textClass:Yt.tooltip__text,showClass:Yt["tooltip--show"]};ge("ybar-mod-searchbox",(function(e){var t,n=e.getConfig(),o={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(Yt["sa-btn-bar"])),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(Yt["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(Yt["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(Yt["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x"),searchGradientBorder:document.querySelector(".".concat(Yt["search-border-gradient"]))};if(function(e,t){var n,o,i,a=e.getConfig();if(t.ybar&&"desktop"===a.device&&(null===(n=a.bucketConfig)||void 0===n?void 0:n.highlight_searchassist)&&(null===(o=a.bucketConfig)||void 0===o?void 0:o.overlay_class)){t.ybar.setAttribute("data-ovrly-bkt",a.bucketConfig.overlay_class),null===(i=t.searchForm)||void 0===i||i.classList.add(Yt[a.bucketConfig.overlay_class]);var r=document.createElement("div");r.classList.add(Yt.overlay,Yt[a.bucketConfig.overlay_class]),document.body.appendChild(r),e.onDestroy((function(){document.body.removeChild(r)})),e.addElementListener(t.searchForm,"focusout",(function(e){if(t.searchForm&&t.searchInput){var n=e.relatedTarget;n&&!t.searchForm.contains(n)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,o),Gt(e,o),o.searchGradientBorder){var i=!1;o.searchInput.addEventListener("keydown",(function(e){var t=e.code,n=e.key,a=t.startsWith("Key"),r=t.startsWith("Digit"),s=/^[!@#$%^&*()_+\-=[\]{};':"\\|,./?`~]$/.test(n);(a||r||s)&&!i&&(o.searchGradientBorder.classList.add("".concat(Yt["search-border-gradient-hover"])),i=!0)})),e.addElementListener(o.searchForm,"mouseover",(function(){i||o.searchGradientBorder.classList.add("".concat(Yt["search-border-gradient-hover"]))})),e.addElementListener(o.searchForm,"mouseout",(function(){i||o.searchGradientBorder.classList.remove("".concat(Yt["search-border-gradient-hover"]))})),e.addElementListener(o.searchInput,"click",(function(){i=!0})),e.addElementListener(o.searchInput,"blur",(function(){o.searchGradientBorder.classList.remove("".concat(Yt["search-border-gradient-hover"]))}))}o.searchForm&&(e.addElementListener(o.searchBoxIcon,"mouseover",(function(){o.searchForm.classList.add("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.searchBoxIcon,"mouseout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseover",(function(){o.searchForm.classList.add("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-hover"]))})),e.addElementListener(o.searchInput,"keyup",(function(e){"Tab"===e.key&&o.searchForm.classList.add("".concat(Yt["search-input-uh3-focus-visible"])),o.searchInput.classList.toggle("".concat(Yt.empty),""===o.searchInput.value)})),e.addElementListener(o.searchInput,"keydown",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.searchInput,"focusout",(function(){o.searchForm.classList.remove("".concat(Yt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.submitSearchBtn,"click",(function(e){""===o.searchInput.value.trim()&&e.preventDefault()})),e.addElementListener(o.clearSearchBtn,"click",(function(){o.searchInput.classList.add("".concat(Yt.empty))}))),o.submitSearchBtn&&"crunch"===n.ytheme&&new Kt(e,o.submitSearchBtn,m(m({},Jt),{label:null!==(t=n.i18n.root.SEARCH_TOOLTIP_WEB)&&void 0!==t?t:"Search the web",containerClass:"".concat(Yt.tooltip," ").concat(Yt.tooltip__web),tooltipParentElm:o.clearSearchBtn.parentElement}))}));var Vt="_yb_tdk4ba",$t="_yb_hkd17a",Xt="_yb_rtzclf",Zt="_yb_tdbhj6",Qt="_yb_de52ef",en="_yb_9hwrey",tn="_yb_slc8ta",nn="_yb_bf0svp",on="_yb_hjic9z";ge("ybar-mod-adaptivenav",(function(e){var t=document.querySelector("#ybar-l1-more-menu ul"),n={moreDropDown:document.querySelector(".".concat(Vt)),moreBtn:document.querySelector(".".concat($t)),wrap:document.querySelector(".".concat(Zt)),moreSectionTitle:document.querySelectorAll(".".concat(Qt)),editionsCtaBtn:document.querySelector(".".concat(en)),editionsMenu:document.querySelector(".".concat(tn)),closeBtn:document.querySelector(".".concat(nn)),moreMenuDropDownHeight:t?"".concat(t.offsetHeight+48,"px"):"0"};new 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See our Advertiser Disclosure.Marcie GeffnerUpdated Tue, October 14, 2025 at 7:12 PM GMT+2 9 min readOf all the differences between owning a home and renting one, the opportunity homeowners have to build equity may be the most significant. Through a combination of market appreciation and years of making mortgage payments, homeowners often accumulate a substantial amount of equity in their homes. You can also borrow against your equity to cover renovations, repairs, credit card debt, or other expenses while you still live there. And a home equity loan? This is one of the most popular methods.This embedded content is not available in your region.Here are 3 ways to access your home equity.A home equity loan allows you to borrow money by using the equity in your home as collateral.It’s considered a type of "second mortgage" because you take it on in addition to your primary mortgage — unlike a mortgage refinance, which involves replacing your original mortgage with a new one. This second loan gives you a lump sum of cash you can use for home improvements or other purposes. You then repay the money back, plus interest, over an extended period of time.A home equity loan typically has a fixed interest rate, a fixed term, and a fixed monthly payment that won't change during your term. Home equity loan terms can range from five to 30 years, depending on the home equity loan lender.Interest rates for home equity loans are often lower than rates for other types of debt, such as credit cards. That's because the home equity loan is secured — the technical term is "collateralized" — by your home. It’s also why if you're unable to make monthly payments, your lender may foreclose on your home.Up NextHow to use home equity to build wealth: Strategies and risksHow much is your house worth? How to determine your home value.Roof replacement cost: What to expect and how to pay for itThe amount you can borrow with a home equity loan depends on your income, your credit history, and how much equity you have in the home, among other factors. Most home equity loan lenders limit the amount you can borrow to 80% of your home's equity, though some will allow for higher amountsOne way to calculate what you could potentially borrow is to take 80% of your home value, then subtract how much you still owe on your house. The remaining balance is the amount a lender might let you borrow.For example, if your home is worth $400,000, 80% of that amount would be $320,000. If you still owed $200,000 on your primary mortgage, your home equity loan limit would be $120,000 ($320,000 - $200,000 = $120,000).If your equity is low or negative, you'll need to wait until the market value of your home increases or until you’ve paid off more of your primary mortgage balance before applying for a home equity loan.As with your original mortgage, you must meet certain requirements to be eligible for a home equity loan. Though these vary by lender, to get a home equity loan, you typically must have at least 20% equity in your home. Some lenders will allow you to have 10%, though, so make sure to shop around if you don’t have much equity to pull from.Your lender will usually order an appraisal of your home to confirm its value and the amount of equity you have in the house.In addition to having enough equity, most mortgage lenders require a 680 credit score and 43% debt-to-income ratio (DTI) — however, every lender is different. You'll have to provide documentation, such as pay stubs and tax records, when you apply.Homeowners can use home equity loans for a variety of purposes, such as:Consolidating credit card debt, since credit cards tend to have higher interest rates than home equity productsPaying for home repairs or improvementsBuying a car if the home equity loan rate they can qualify for is less than what auto lenders are offeringFinancing a child's educationStarting a small businessPaying medical billsInvesting in ventures that offer higher rates of return than the interest rate a home equity loan chargesA financial safety net, in case they need cash in a pinchIn short: You can use the funds from a home equity loan however you’d like. And if you use them to “buy, build, or substantially improve” a home, you can even deduct your home equity loan’s interest costs on your annual tax returns.Be careful if you plan to use your home equity loan to consolidate debt or invest in other assets. Other types of debt, such as credit card bills, may charge higher interest rates than a home equity loan, but you won't lose your home if you can't make your card payment.Also, if you invest and lose money, you could have trouble affording your home equity loan payments. Regardless of how you spend the money, weigh the pros and cons to decide whether it’s worth taking out a home equity loan.Home equity loans typically come with closing costs like your first mortgage. Home equity loan closing costs cover a wide range of expenses, including fees from your lender, third-party service fees (like appraisal fees), and other costs. Typically, you’ll pay between 2% and 5% of the total home equity loan amount.The wide variety of fees is one reason you should shop around and compare loan offers before choosing where to apply for a home equity loan.You will usually need an appraisal when you get a home equity loan, as this is how the lender will confirm your home’s value, how much equity you have in the property, and how much you can borrow with your loan.In some cases, lenders may waive the home equity loan appraisal requirement or allow you to use an Automated Valuation Model instead. This is a tool that uses data and local property records to assign an accurate market value to a home.If you do need an appraisal for your home equity loan, you can expect to pay about $350 for the service (though this varies depending on factors such as your location and home size). You’ll pay this as part of your closing costs.Receiving your money in one lump sum is helpful if you have a large expenseYou can use the money however you see fit, from home improvements to college tuition to paying off debtA fixed interest rate means your monthly payments won't changeInterest paid on a home equity loan could be tax deductibleTerms are long, often up to 30 yearsYour home is collateral for the loan, which means you could face foreclosure if you fail to make paymentsYou'll pay closing costsYou must meet qualification requirements, including a minimum credit score, combined loan-to-value (CLTV) ratio, debt-to-income (DTI) ratio, and moreIt adds a second monthly payment to your householdIf a home equity loan sounds like a good fit for your needs, talk with a lender to find out how you can apply. Ask the lender how much equity you'll need, how much you’ll be allowed to borrow, what interest rate you might be offered, and what other requirements you must meet for approval, and be sure to compare at least a few different companies.If you’re not sure a home equity loan is the right move, you can explore several other options for cash instead. These include:A cash-out refinance is a new mortgage that replaces your current one — only with a higher balance. That loan then pays off your existing mortgage balance, and you get the difference between those two amounts in cash. Like a home equity loan, you can use these funds for any purpose.Dig into the differences between a cash-out refinance vs. a home equity loan.A HELOC is a revolving credit line that's secured by the equity you have in your home. Like a credit card, a HELOC allows you to borrow up to your credit limit and then repay — and reborrow — funds when you choose. HELOCs typically have a variable interest rate.How to choose between a home equity line of credit (HELOC) vs. a home equity loan.A home equity conversion mortgage (HECM) is a special type of government-backed home loan intended for older homeowners (62 and up) who need to access their equity. Repayment isn't required until the homeowner sells the house, moves out, or dies. HECMs are a type of reverse mortgage.This one doesn’t involve your home equity, but if you need funds and the above aren’t valid options, a personal loan or line of credit may be something to consider. These can be either unsecured or secured by assets (not your home or car), and their term lengths and interest rates vary depending on the lender and your financial situation. Keep in mind that personal loan rates tend to be higher than rates on home equity products.Home equity loan vs. personal loan — Which is best for home improvement?The main downside to a home equity loan is that it uses your home as collateral, so you can lose your house if you don’t make payments. The same is true for home equity products in general, from home equity loans to HELOCs and reverse mortgages.Getting a home equity loan is relatively easy, as long as you have enough equity in your house to qualify and your finances are strong. You’ll typically need a credit score in the high 600s and at least 20% equity in your home, though some lenders may offer exceptions.Yes, you have to pay back a home equity loan. Depending on the term length, you'll repay the loan in fixed monthly installments for five to 30 years.To qualify for a home equity loan, you'll likely need 20% equity in your house, a DTI ratio of 43% or less, and a credit score of around 680. Each lender has different requirements, though, so it may be possible to qualify with less equity and a lower credit score in some cases.Home equity loan repayment terms typically last between five and 30 years. Your home equity loan interest rate depends on your term length, lender, credit score, and personal finances, but you can probably expect to pay roughly 8% to 10% right now.The catch with a home equity loan is that your home acts as the collateral for your lender. This means if you fail to make your monthly payments, the lender can foreclose on your home to make up for its losses.Laura Grace Tarpley edited this article.