Equity loans

Put your home’s equity to work.

If you’ve built up equity, you can access it without selling your home or refinancing your entire mortgage. The key is using it strategically, so we look at your full financial picture before recommending a structure.

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Dad and son painting a wall together with their dog — Renovations

Backyard pool with lounge chairs — A new pool

Parent hugging a college graduate — College costs

Paying off credit cards at the kitchen table — Paying off cards

Flexible access

Home equity line of credit (HELOC)

Borrow against your equity as needed, up to a set limit. During the draw period you use what you need and pay interest only on what you use. HELOCs have a variable rate.

Often a fit for ongoing projects, phased renovations, and flexible needs.

One lump sum

Home equity loan

Borrow a lump sum against your equity with a fixed rate and fixed monthly payments over a set term.

Often a fit for a single large expense or debt consolidation.

Age 62 and older

Reverse mortgage

Turn part of your equity into cash with no required monthly mortgage payment. You keep ownership of your home and continue paying property taxes, insurance, and upkeep. The loan is typically repaid when the home is sold or is no longer your primary residence.

Often a fit for retirees who want more monthly cash flow or a financial cushion.

Common uses

What homeowners use their equity for.

We’ll help you structure a solution that supports your goals, not one that just adds more debt.

Renovations

Update the kitchen, add a room, or finally finish the basement.

Debt consolidation

Roll higher-interest balances into one payment.

Major expenses

Tuition, a wedding, or another big life moment.

Investing

Fund a down payment on an investment property.

Your next move

Let’s find the right
loan for you.

Apply online and we’ll review your file and call you with real options within 24 hours. Not ready yet? Answer a few quick questions and we’ll reach out.