Home Equity Loans & HELOCs
Access your equity. Keep your first mortgage.
Borrow against the equity you've built without touching your existing mortgage rate — as a lump sum or a flexible line of credit.
- Fixed or revolving options
- Keep your low first-mortgage rate
Loan vs. Line of Credit
The two main ways to access your equity.
- Home Equity Loan — a lump sum with a fixed rate and fixed monthly payment
- HELOC — a revolving line you draw from as needed, similar to a credit card
- Combined loan-to-value typically allowed up to 85–90%
Not sure which fits? A loan officer can walk through both based on how you plan to use the funds.
01
Fund renovations
Home improvements often pay for themselves in added value — and the interest may be tax-deductible.
02
Consolidate higher-rate debt
Replace higher-interest credit cards or loans with one payment secured against your home equity.
03
Keep your first mortgage untouched
Unlike a cash-out refinance, your existing mortgage rate and term stay exactly as they are.
Step 1 of 3
What's the funding for?
This helps us point you to the right option.