Put Your Home's Equity to Work
Borrow against the value you've built in your home. For renovations, debt payoff, education, or investments.
Home Equity Loan vs. HELOC
Home Equity Loan
A lump-sum loan based on your equity. Fixed rate, fixed payment. Good when you need a set amount for a specific project (e.g., kitchen remodel, roof).
HELOC (Home Equity Line of Credit)
A revolving line of credit. Draw what you need when you need it; pay interest on what you use. Good for ongoing or uncertain expenses (e.g., multiple projects, emergency fund).
Common Uses
- Home renovations and repairs
- Debt consolidation (pay off high-interest cards or loans)
- Education or major life expenses
- Investments or business needs
Requirements & What to Expect
Lenders typically look at your equity (home value minus what you owe), credit score (often 620+), and income. I'll walk you through how much you might access and which option (loan or HELOC) fits your situation best. Compare with a cash-out refinance, see our loan programs, or get your game plan.
See How Much Equity You Can Access
Share your property details and how much you need. I'll put together a personalized game plan.
Get your game plan →