Pennsylvania Home Equity Loans & HELOCs

Trusted lending throughout the Keystone State

Get PA HELOC RatesGet Home Equity Loan Rates

Licensed in Pennsylvania • Philadelphia & Pittsburgh Experts • Rural Property Specialists

Current Pennsylvania Home Equity Rates

Updated daily rates from licensed Pennsylvania lenders

HELOC Rates in Pennsylvania

Variable Rate Range:6.75% - 18%
Prime Rate + Margin:8.50% + 0.25% - 2.50%
Credit Score 740+:Starting at 6.75%
Credit Score 680-739:Starting at 7.25%
Get Personalized HELOC Rate

Home Equity Loan Rates in PA

Fixed Rate Range:7.25% - 12.99%
15-Year Term:7.25% - 12.49%
20-Year Term:7.50% - 12.99%
30-Year Term:7.75% - 13.49%
Get Personalized Loan Rate
Rates shown are for qualified Pennsylvania borrowers and subject to change. Rural properties may have slightly different pricing.

Pennsylvania Home Equity Market

Market insights for Pennsylvania homeowners

$234K
Median Home Value
Pennsylvania statewide
$70K
Average Available Equity
For homeowners with 20%+ equity
69%
Homeownership Rate
Above national average (65%)
6.8%
Annual Appreciation
5-year average home value growth

Pennsylvania Property Market Insights

Popular Uses for Home Equity:

  • •Home renovations and upgrades
  • •Energy efficiency improvements
  • •Debt consolidation
  • •Education funding
  • •Medical expenses

PA Market Advantages:

  • •Affordable housing compared to East Coast
  • •Strong industrial and healthcare economies
  • •Established neighborhoods with equity
  • •Competitive lending market
  • •Stable property values long-term

Pennsylvania Home Equity Regulations

Pennsylvania Consumer Protections

Pennsylvania Banking Code Compliance

Pennsylvania lenders must comply with the state Banking Code, which includes provisions for fair lending practices and consumer protection.

The Banking Code works in conjunction with federal regulations to protect borrowers from predatory lending practices.

Disclosure Requirements

Pennsylvania requires lenders to provide comprehensive disclosures about loan terms, costs, and risks associated with home equity borrowing.

All disclosures must be clear, conspicuous, and provided in a timely manner before closing.

Homestead Exemption Protection

Pennsylvania's homestead exemption protects a portion of home equity from creditors, though voluntary liens like mortgages are not affected.

The exemption amount varies by county and helps protect homeowners from certain types of debt collection.

Right of Rescission

Pennsylvania homeowners have a federal 3-business-day right of rescission period after closing to cancel their home equity loan without penalty.

This right applies to most home equity loans and HELOCs on your primary residence.

Agricultural Property Considerations

Pennsylvania has special considerations for agricultural properties, including farms and rural land, which may affect lending terms and requirements.

Agricultural properties may require specialized appraisal and underwriting processes.

Serving Pennsylvania Communities

Licensed home equity lenders serving homeowners throughout the Keystone State

Major Cities

Philadelphia
Pittsburgh
Allentown
Erie
Reading
Scranton

Suburban Areas

Upper Darby
Bethlehem
Bensalem
Lancaster
Levittown
Harrisburg

Rural Counties

Chester County
Bucks County
York County
Westmoreland
Montgomery
Lehigh County
Norristown
Chester
Wilkes-Barre
Bethel Park
Easton
McKeesport
Plum
New Castle
Williamsport
Lebanon
Johnstown
Washington
West Chester
Butler
Hermitage
Greensburg
Altoona
State College

Pennsylvania Home Equity FAQ

Common questions about home equity loans and HELOCs in Pennsylvania

Ready to Access Your Pennsylvania Home Equity?

Competitive rates for urban, suburban, and rural properties

Get PA HELOC QuotesGet Home Equity Loan Quotes
Calculate Your Home Equity →Learn About the Process →Compare Your Options →