Achieve Your Financial Goals with Speed and Simplicity
We offer flexible home equity solutions to help you consolidate debt, renovate your home, or cover major expenses with a faster, simpler lending experience.
/ Welcome to Spring EQ
Homeowners Trust Spring EQ
We’re not just another lender. We’re built to deliver speed, flexibility, and confidence in every interaction. Since 2016, more than 120,000 homeowners have trusted us to unlock more than $11 billion in equity, and here’s why:
- Fast Approvals: Get your funds in as few as 11 days.*
- Flexible Options: Choose from fixed-rate loans, Home Equity Lines of Credit (HELOCs), or customized terms to fit your goals.
- Dedicated Experts: Work with a team who will guide you from start to finish.
Fixed-Rate HELOCs
Enjoy the flexibility of a credit line with the long-term stability of predictable monthly payments, ideal for long-term projects or ongoing expenses.
Variable-Rate HELOCs
Access funds as you need them with a rate that adjusts with the market, best for short-term or occasional borrowing where you can repay the loan quickly.
Home Equity Loans
Receive a lump sum to pay off high-interest debt, cover major expenses, or invest in home improvements. Fixed terms make repayment simple.
Home Refinance
Refinance your current mortgage to take cash out or find new terms that fit your needs.
/ The Best Choice
Compare Your Options, Choose with Confidence
/ Testimonials
Why Do Homeowners Choose Spring EQ?
See for Yourself.
We measure success by the difference we make in our customers’ lives. Whether it’s saving money each month, completing long-awaited projects, or creating financial breathing room, homeowners trust us to deliver. Their experiences tell the story best.
Christina D.
It was a fast, smooth process from the beginning. Everyone involved during this process was very helpful and did a great job with the timing of everything. I am pleased.
Thomas C.
[M]y experience getting this home equity loan has been outstanding. Professional communication and quality service. I would recommend spring EQ for anyone's home. Equity needs. They are as professional as you can get and more.
Tina T.
I must tell you tha Pat and his team have been absolutely wonderful. Friendly, knowledgeable, efficient. I am impressed. I will definitely recommend SpringEQ.
Robert J.
Great experience, friendly customer service. Extremely fast results.
Megan K.
Scott P.
I love the attention I have been giving. I appreciate everyone's tolerance of all my questions and educating me through the process. So far this has been a lot easier than I thought it would.
Mary C.
Our experience was one of the best I have ever had. Everyone was very organized, quick to respond and the notary you sent to my house was the best we have ever had. I'd never hesitate to refer you to others.
Debra S.
Thank you for helping me with this loan, I appreciate all that you have done, You were very quick and efficiently got everything done in a timely matter and I appreciate it, thanks again and I definitely.
We'll let my friends know about you.
Jarred L.
Experience has been great everyone has been super patient with me and super quick on getting everything that I needed from them. Been a wonderful experience!!!! Thank you so much!!
Cecil H.
If all of your Loan Officers are as diligent, understanding and helpful as my Loan officer (Patricia Traenkner) then you would always be the number one home equity company that everyone should use. Thank you all so much and especially Ms Patricia!!!!
/ Why Spring EQ?
Don’t Just Take Our Word for It: Industry Leaders Trust Us Too.
We’re proud of the recognition we’ve earned across the industry. Check out some of the awards we’ve received.
/ Latest News & Insights
Advice and Insights for Today’s Homeowners
09/02/2025 Blog Post
What Makes 2025 Different for HELOCs?
09/02/2025 Blog Post
Regional Trends: Where Home Equity Is Growing Fastest and Why It Matters
Home equity has been on the rise for more than a decade across the country. In recent years, though, it’s been more of a meteoric boom, especially depending on where you live. Understanding these regional trends can help you make smarter decisions about how and when to capitalize on your home’s value.
09/02/2025 Blog Post
Home Equity vs. 401(k) Loan: Which to Use When Facing a Financial Squeeze?
When money gets tight and homeowners need access to cash quickly, they have options. We’ve covered a variety of scenarios in the past (HELOCs vs. Personal Loans, HELOCs vs. Credit Cards, and HELOCs vs. Refinancing) to name a few. Now, we’re focusing on tapping into home equity or borrowing from a 401(k). Both can provide funds when you need them, but both work very differently and carry different long-term implications. Let’s dive into the pros and cons so you can make an informed decision based on your situation.
08/04/2025 Blog Post
Is a HELOC Still a Good Idea in a High-Rate Environment?
If you’ve been doing your homework and keeping up with interest rates, you might be asking yourself whether a home equity line of credit (HELOC) makes sense right now. And with variable rates and a market that’s seemingly always moving, that’s a fair question. However, in many cases, a HELOC can still be a smart, flexible financial tool, even in an elevated rate environment. Let’s get into the details.
08/04/2025 Blog Post
What Affects Your Home Equity and How to Build More of It
08/04/2025 Blog Post
Back-to-School Season Is Expensive. Your Home Equity Can Help
Between school supplies, new clothes, sports fees, and technology upgrades, back-to-school expenses can add up quickly. And if you have kids heading off to college? The financial strains of tuition and housing costs multiply. If you’re feeling the weight of back-to-school season, your home’s equity might just be the solution you’re looking for.