more people than ever are choosing Spring EQ

Why are we one of the fastest growing, highly rated lenders in America?

Because we treat customers, partners and employees the way we want to be treated: with respect and integrity.

 

 

soaring76     Spring EQ #1 customer satisfaction at Lending Tree     Spring EQ best place to work award     Google ranking for Spring EQ almost 5 stars     Spring EQ Best Home Equity Lender award with Bankrate     Spring EQ A+ rating with BBB

 
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loans our customers love—and our partners trust

We wake up every morning with one focus: to deliver a mortgage experience combining a leading edge digital process with expert, friendly guidance and support.
 
Since 2016, we've been helping people across America to achieve their financial goals. We're obsessed with always improving, and delivering the best possible experience for our customers—and our investors.
 
 
 

SEE YOUR RATE INSTANTLY
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people first, fueled by tech

Traditional loans are painful: slow, confusing and full of paperwork. Our technology and process are designed to streamline things. To inform and empower you—so you can focus on what's important.
 
Our wide variety of solutions along with our seamless, simple and digital process mean faster funding and less frustration for our customers—and loans our investors and partners can trust. 

 

SEE YOUR AVAILABLE EQUITY
© 2025 Spring EQ LLC - NMLS ID # 1464945
 
 
 
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1 West Elm St, Ste 450 Conshohocken, PA 19428-4152, 888-978-9978

 

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    *Details to note:

    This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

    Spring EQ customers get their cash on average in 21 business days, and as fast as 14 days. This average time is measured from the time we receive all requested documents and assumes your stated income, property and title information provided in your loan application matches your documents and any supporting information collected. The time period calculation to get cash is based on the average funding turn times over the first four months of 2023, assumes the funds are wired, excludes weekends and excludes the government mandated disclosure waiting period. Typical applicants are required to provide a current and valid completed application, proof of income, mortgage statement, home hazard insurance, and a photo ID.

    Please Note: Spring EQ does not provide tax, legal, investment or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal, investment or accounting advice. You should consult your own tax, legal, investment and accounting advisors before engaging in any transaction.

    Applicants are typically not required to provide proof of assets, and proof of income may be more extensive for self-employed borrowers. Quarterly, we calculate The Spring EQ Cash-In-Pocket Index™ which is the average reduction of our customers debt payments where at least one debt was paid off with loan proceeds. The most recent Cash-In-Pocket Index™ reported a reduction in debt payments of $530.

    Any pre-qualification is in no way a pre-approval, indication of eligibility, or binding underwriting decision.

    All borrowers will be required to meet Spring EQ's current underwriting guidelines including verification of applicant’s credit profile, debt-to-income ratio, and home’s current value. Eligible Home Equity Loan borrowers must have a FICO score of 640 and meet all other qualifying criteria in Spring EQ's current underwriting guidelines. Refinance transactions may increase total finance charges over the life of the loan. Speak to a loan officer for details. Eligible Home Equity Line of Credit borrowers must have a minimum FICO score of 640 and meet all other qualifying criteria in Spring EQ's current underwriting guidelines. Spring EQ offers Home Equity loan options up to 90% of primary residence value for qualified borrowers (and up to 80% for second home or investment properties).

    The maximum Home Equity loan or Home Equity Line of Credit amount Spring EQ offers is $500,000.

    For details, call 888-978-9978 to speak to a licensed Spring EQ Loan Officer. Please Note: Any reference to news organizations or outlets and/or their logos or likenesses on these webpages are solely in reference to the inclusion of relevant home equity, mortgage or interest rate subject matter in current, publicly available national news items and cycles and are not meant to imply endorsement of Spring EQ in any way.