Guaranteed Rate Mortgage vs. Figure Home Equity Line
Side-by-side comparison · Updated 2026 · Independently reviewed
Guaranteed Rate Mortgage
Guaranteed Rate
4.3
Digital-first lender known for a transparent rate-lock guarantee and broad loan program coverage.
Full review →Figure Home Equity Line
Figure
4.8
Fully digital HELOC with funding in as little as 5 days and a fixed interest rate — no variable-rate risk.
Full review →WealthSpott Verdict
Guaranteed Rate Mortgage wins on more measurable categories — particularly on rate and cost. Figure Home Equity Line may still be the right fit depending on your loan amount and term needs.
Feature
Guaranteed Rate Mortgage
Figure Home Equity
APR Range
6.20% – 8.10% Best
7.35% – 15.54%
Loan Amount
$100,000 – $4,000,000 Best
$15,000 – $400,000
Term Length
120–360 months
60–360 months
Origination Fee
Varies; typically 0.5%–1.5%
0%–4.99% of draw amount (rolled into balance)
Min Credit Score
620+ Best
640+
Funding Speed
21–30 days
As fast as 5 business days
Guaranteed Rate Mortgage
Figure Home Equity Line
Not sure which loan is right for you?
Browse all loans