💰 Unlock Your Home's Equity
Turn your home's value into cash with flexible Home Equity Loans and HELOCs. Competitive rates, fast approval, and funds for any purpose.
Calculate Your Equity Get Started TodayHome Equity Solutions
Choose the right option for your financial goals
Home Equity Loan
Get a lump sum with a fixed interest rate and predictable monthly payments. Perfect for large expenses like home renovations or debt consolidation.
- ✓ Fixed interest rates
- ✓ Predictable monthly payments
- ✓ Lump sum payment
- ✓ Tax-deductible interest*
Home Equity Line of Credit (HELOC)
Access funds as needed with a revolving credit line. Variable rates and flexibility to borrow only what you need, when you need it.
- ✓ Variable interest rates
- ✓ Access funds as needed
- ✓ Interest-only payment options
- ✓ Revolving credit line
Home Equity Loan vs HELOC
Understanding the key differences
| Feature | Home Equity Loan | HELOC |
|---|---|---|
| Interest Rate | Fixed rate | Variable rate |
| Payment Structure | Fixed monthly payments | Interest-only or principal + interest |
| Fund Access | Lump sum at closing | Draw as needed during draw period |
| Best For | One-time large expenses | Ongoing or uncertain expenses |
| Typical Term | 5-30 years | 10-year draw + 20-year repayment |
Why Choose Home Equity?
Unlock the benefits of your home's value
Lower Interest Rates
Home equity products typically offer lower interest rates than credit cards or personal loans because your home secures the loan.
Large Borrowing Amounts
Access up to 80-90% of your home's value minus your existing mortgage balance, potentially hundreds of thousands of dollars.
Flexible Use of Funds
Use funds for home improvements, debt consolidation, education expenses, investment opportunities, or any major purchase.
Potential Tax Benefits
Interest may be tax-deductible when funds are used for home improvements. Consult your tax advisor for specific guidance.
Quick Access to Cash
Fast application and approval process means you can access your equity quickly when opportunities arise.
Build Credit History
Responsible management of your home equity product can help build and maintain a strong credit profile.
Home Equity Calculator
Estimate how much equity you can access
Available Equity
Current Equity: $200,000
Maximum Loan Amount: $100,000
*This is an estimate. Actual loan amounts depend on credit, income, and lender requirements.
Simple Application Process
Get approved in as little as 5 days
Apply Online
Complete our secure online application in minutes. Provide basic information about your home and finances.
Documentation
Submit required documents including income verification, recent mortgage statement, and property information.
Home Appraisal
We'll order a professional appraisal to determine your home's current market value and available equity.
Underwriting
Our team reviews your application, credit, and documentation to make a lending decision.
Closing
Sign your loan documents and access your funds. For HELOCs, you'll receive checks or a card to access your line.
Apply for Your HELOC Today
Get pre-approved in minutes. Secure application with 256-bit encryption.
Questions About Your Application?
Our mortgage specialists are here to help guide you through the process
Call +1 (647) 862-3650 Email UsLicensed mortgage brokerage. Equal Housing Lender. NMLS #123456