Achieve Loans is a non-bank lender. The name on the marketing is Achieve; the entity that originates is Achieve Loans, NMLS #1810501, and Achieve.com is a separate company with its own NMLS number. Both are subsidiaries of Achieve Company, and the pages carry an affiliated business arrangement disclosure. We file the record under the company that lends.
Its product does not fit either of the usual shapes, and Achieve markets it as both of them. One page calls it a fixed-rate HELOC. Another calls it a home equity loan. The disclosure underneath is identical. What it actually is: a line of credit with a rate fixed for the life of the loan, a five year draw period, and a no draw period for whatever remains of a 10, 15, 20 or 30 year term, fully amortized throughout. A conventional HELOC has a variable rate and a ten year draw. A conventional home equity loan is a lump sum with no draw period at all. This is neither, and the mechanics below are recorded as Achieve states them rather than translated into more familiar words.
The advertised rate needs the same care. Achieve publishes fixed APRs from 5.75% to 15.17%, and we show the range rather than the bottom of it. Achieve also states what the bottom requires, and it is five conditions at once: a credit score of 700 or more, a combined loan-to-value of 40% or less, a debt-to-income ratio of 15% or less, enrolment in automatic payments, and a loan between $35,000 and $150,000. A borrower who misses any one of them is somewhere else in that range.
Two limits are worth separating. The minimum credit score of 600 is an underwriting requirement: below it, Achieve says no. The 700 score in the paragraph above is not a requirement to borrow, only a condition of the lowest rate. Achieve does not publish a single maximum combined loan-to-value at all. It publishes a range of maximums, 75% to 90%, varying by credit score and property type, so no single figure appears below.
Achieve Loans charges an origination fee of up to 3.50% and a $725 underwriting fee, both only where state law permits. Those are its own charges, and both sit inside a published closing fee range of $750 to $10,304 rather than on top of it. The property must be owner-occupied. Achieve says its loans are not available in all states but does not say which, so no state list appears below.
Achieve home equity products at a glance
Last checked: August 26, 2026
Achieve Fixed-Rate Home Equity Line of Credit
HELOC, Home Equity Loan
A fixed-rate line of credit with a five year draw period followed by a no draw period, fully amortized in each. Achieve markets the same product under two names: a fixed-rate HELOC on one page and a home equity loan on another, with the same disclosure on both. It is neither in the conventional sense. The rate is fixed for the life of the line, which a HELOC normally is not, and the money is drawn from a line over five years rather than taken as a lump sum, which a home equity loan normally is not. Fixed APRs run from 5.75% to 15.17%, assigned by underwriting. Line amounts run from $15,000 to $700,000 in terms of 10, 15, 20 or 30 years. The minimum credit score is 600. Achieve Loans charges an origination fee of up to 3.50% and a $725 underwriting fee where state law permits. The property must be owner-occupied, and Achieve does not publish which states it lends in.
- APR or rate 5.75% to 15.17%
- Fixed or variable rate Fixed
- Minimum credit score 600
- Draw period 5 years (60 months)
- Borrowing range $15,000 to $700,000
- Origination fee up to 3.50% of the credit line Charged "where permitted by applicable state law", so it does not apply everywhere and Achieve does not say where. It is one of the charges inside the closing cost range below rather than an addition to it. Achieve publishes only a ceiling, "up to 3.50%", not the rate you would actually be charged.
The lender also states: The draw mechanics are not a conventional HELOC's. Achieve states: "All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month." Terms are "10, 15, 20, and 30-year terms available", so the no draw period is whatever remains of the term after the first five years. The bottom of the range is not generally available. Achieve states: "Lowest APRs require a fico equal to or greater than 700, CLTV equal to or less than 40%, DTI equal to or less than 15%, opt in to ACH (not required to obtain loan) and loan amounts greater than $35,000 and up to $150,000." Those five conditions have to hold at once. It adds: "Offer APRs assume automatic payment enrollment and DTI less than 15% discounts. Rate discounts are removed if these conditions are not met." On the borrowing limit, Achieve publishes a range of maximums rather than a maximum: "CLTV maximums range from 75% to 90% and are based on credit score, property type and include the Achieve Loans new loan request." No single maximum CLTV is recorded here, because Achieve does not publish one. On eligibility: "Property must be owner-occupied", "Minimum 600 credit score applies", "Property insurance is required and flood insurance may be required depending on location" and "You must pledge your home as collateral." On availability: "Loans are not available in all states and available loan terms/fees may vary by state." Achieve does not say which states. One figure is inconsistent on its own site: the disclosure and the headline both say line amounts run up to $700,000, while a panel lower on the same page says "$15k-$500k loans". The disclosure figure is recorded and the discrepancy is left standing rather than reconciled.
Sources checked: August 26, 2026
Reviewed by Michael Yanda
Last reviewed: August 26, 2026
How we produce these figures: methodology and data standards
Detailed terms
Standard terms we checked the lender's page on August 26, 2026.
- Occupancy requirements
- Primary Residence our interpretation
- Minimum borrowing amount
- $15,000
- Maximum borrowing amount
- $700,000
- APR or rate
- 5.75% to 15.17%
- Fixed or variable rate
- Fixed
- Minimum credit score
- 600
- Draw period
- 5 years (60 months)
Fees
- Closing fees
- Varies Achieve publishes this as a range: "Closing fees range from $750 to $10,304, depending on line amount and state law requirements and may include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law." No amount is recorded on this line because the range is an umbrella that already contains the origination and underwriting fees listed separately above. Recording it as a figure as well would count those charges twice.
- Origination fee
- up to 3.50% of the credit line Charged "where permitted by applicable state law", so it does not apply everywhere and Achieve does not say where. It is one of the charges inside the closing cost range below rather than an addition to it. Achieve publishes only a ceiling, "up to 3.50%", not the rate you would actually be charged.
- Underwriting fee
- $725 Charged "where permitted by applicable state law", so it does not apply everywhere and Achieve does not say where. It is one of the charges inside the closing cost range below rather than an addition to it.
Information we could not verify publicly 8
We could not confirm the following in the lender's published materials. That does not mean no requirement exists, so ask the lender directly if you need one of these figures.
- State availability
- Eligible property types
- Introductory or promotional APR
- Maximum CLTV
- Maximum LTV
- Maximum debt to income
- Repayment period
- Appraisal or valuation
Source & evidence source: lender · checked August 26, 2026 · researched by Chris, our AI research agent · reviewed by Michael Yanda
Achieve fixed-rate line of credit, published terms
"Line amounts between $15,000 and $700,000, and assigned based on credit score, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies. Fixed rate APRs range from 5.75% - 15.17% and are assigned based on underwriting requirements." Achieve presents that same range two ways on two pages: as "APRs from 5.75% up to 15.17%. Fixed Rate APRs." on its home equity loan page, and as "Get fixed rates as low as 5.75% APR" on its HELOC page. The range is recorded rather than the floor, because the range is the more complete disclosure and the two pages carry an identical footnote. Achieve publishes no effective date for these figures.
What these terms mean
- CLTV, combined loan to value
- Everything secured against the property, added together, divided by the property value. A maximum CLTV of 85% on a $500,000 home means the first mortgage plus the new borrowing cannot exceed $425,000.
- LTV, loan to value
- The same idea for a single loan rather than the combined total.
- Draw period and repayment period
- The draw period is when you can take money out. When it ends, the repayment period begins, you can no longer draw, and payments are often significantly higher.
- Our interpretation
- A figure we worked out from what the lender published, rather than a number the lender states outright.
Our guide to how a HELOC works explains these in more depth.
About this information
Financial data is based on information published by the lender. Important conditions that affect a rate, limit, or other figure are shown with that information. We identify values we have interpreted or calculated rather than treating them as directly published by the lender.
We are not a bank, a lender or a broker, we have no relationship with the lenders listed here, and this is not a recommendation. Terms change. Always confirm directly with the lender before applying.