Save with a fixed-rate HELOC
Get a low, fixed rate
Your monthly payments will never change, no surprise balloon payments.
Flexible funds and terms
Loans up to $300k with 10-to 30-year terms for what you need.
Get your cash fast
Loan decision in minutes. Application-to-funding in 15 business days or less.
Personal, expert help
A licensed Mortgage Advisor will work with you to customize your loan.
No refi required
Loving your current mortgage rate? Keep it without changing your terms.
Lower monthly payments
An affordable monthly payment lower than with credit cards or personal loans.Get your HELOC in 3 easy steps
Apply in 2 minutes for free
Answer a few questions online or over the phone to see if you qualify.
Talk to a mortgage expert
Get personal service to customize your home equity loan to meet your needs.
Get funds in 10-15 days
You don’t need to refinance or reset the clock on your mortgage terms.The hidden gold mine in Jeremy’s home
“To dig myself into a hole, and then to be able to tap into the equity in my home to get myself out of that hole is the best feeling in the world.”
— Jeremy R., Achieve member*
Home equity loan FAQS
Will this impact my existing mortgage?
No. Our home equity loan does not touch your first mortgage rate or term.
What terms are offered for home equity loans?
We offer flexible 10-year and 15-year terms. Both terms have a 5-year draw period where you can borrow as much or as little as you want up to your full loan amount.
What is a line of credit?
A line of credit (“LOC”) is a flexible loan that you can tap into when needed. You can borrow money up to a predefined amount, pay it back, and borrow funds again—up to that amount—at any time during your draw period.
What is a home equity line of credit (HELOC)?
The home equity loan that we offer is a unique fixed-rate home equity line of credit—also known as a HELOC. It’s the most common type of secured line of credit for consumers. The money you borrow is secured by your home. By owning a home, you give lenders a sense that you’re responsible, allowing them to loan greater amounts at lower rates.
Why do I need to use my home to secure the loan?
Your home is simply there to provide security for the loan. It allows you to borrow more at a lower interest rate, even with less than perfect credit. Three really important (and reassuring) things to know. Our home equity loan:
