Unlock Your Home's Value with a Home Equity Loan or HELOC
$11.2 trillion in tappable equity nationwide. Access yours in 21 days with competitive rates and flexible terms designed for homeowners like you.
Choose Your Best Option
Compare home equity loans and HELOCs to find the right fit for your needs
Home Equity Loan
Fixed-rate second mortgage for predictable payments
- Fixed interest rate - never changes
- Lump sum disbursement
- Terms up to 30 years
- Best for large one-time expenses
HELOC
Flexible line of credit - use as needed
- Variable rate tied to Prime
- Draw funds as needed
- Interest-only payment options
- Best for ongoing projects
*Rates shown are Annual Percentage Rates (APR) for qualified borrowers. Example: 7.25% APR based on $100,000 loan, 80% LTV, 680+ credit score, owner-occupied single-family residence. Your actual rate may differ. Rates subject to change without notice. All loans subject to credit approval.
Simple 3-Step Process
From application to funding in as little as 21 days
Check Your Equity
Quick 30-second pre-qualification to see how much you can borrow based on your home's value
Get Approved
Complete application and receive approval decision within 24-48 hours with required documentation
Receive Funds
Close on your loan and access your funds in an average of 21 days - faster than industry standard
Popular Ways to Use Your Equity
Home Renovations
46% of borrowers
Kitchen remodels, additions, repairs
Debt Consolidation
39% of borrowers
Pay off high-interest credit cards
Investment Property
Growing trend
Down payment for rental property
Education Expenses
Tax-deductible option
College tuition, student loan payoff
Ready to Access Your Equity?
Join thousands of homeowners who have unlocked their home's value
No impact to credit score • Fast approval • Competitive rates