If your home has grown in value, you may be able to use that equity, often at a lower cost than credit cards or personal loans. We offer several ways to access it, including options that keep your current mortgage in place.
Self-employed? Our equity options work with alternative income documentation too.
Your home secures these loans. We'll help you borrow with a clear plan for repayment.
A HELOC and a home equity loan both sit behind your current mortgage, so it stays in place.
Not with a HELOC or home equity loan. Both leave your first mortgage untouched, which is why homeowners with a low rate often choose them. A cash-out refinance does replace your mortgage, but it can still make sense when current rates are close to yours or you want a single payment.
It depends on your home's current value, what you owe, your credit, and the program. Lenders set a limit on your total borrowing compared to your home's value. Share your estimated value and balance, and we'll give you a specific range.
Most uses are allowed, including:
Your home secures the loan, so we'll help you borrow with a clear plan for repayment.
Yes. Our home equity options aren't limited to tax returns. They can also be qualified with bank statements, 1099s, a CPA-prepared P&L, or assets.
