Unlock Your Equity with a Fixed-Rate HELOC
A fixed-rate Home Equity Line of Credit (HELOC) combines the flexibility of a line of credit with the predictability of a fixed rate. It’s a smart choice for long-term projects or ongoing expenses with a steady monthly payment and reliable access to your home’s equity.
/ Fixed-Rate HELOC
See What a Fixed-Rate HELOC Can Do for You
With a fixed-rate HELOC from Spring EQ, you can borrow against your home’s equity while locking in a consistent interest rate. That means set payments you can count on, no matter what happens with the market.
- Ideal for long-term projects like home renovations, tuition, or medical costs
- Provides predictable payments with fixed terms
- Lets you plan with confidence and avoid rate fluctuations
Fixed-Rate HELOC Benefits
Stable Monthly Payments
Lock in your rate and know what to expect every month.
Best for Long-Term Needs
Great for ongoing expenses or projects that require consistent funding.
Borrow Up to $500,000
Access the funds you need from your home’s equity.
Keep Your Low First Mortgage Rate
Tap into your home’s equity without touching your existing low mortgage rate.
Fast Funding
Receive funds in as few as 11 days.*
Select Your Term
Choose between 15-, 20-, or 30-year terms.
Qualify With As Low As a 640 FICO
You don’t need perfect credit to take advantage of a fixed-rate HELOC.
Potential Tax Advantages
In some cases, the interest may be tax deductible if the funds are used for home improvements.**
Fixed-Rate Flexibility, Designed for You
When you get a fixed-rate HELOC from Spring EQ, you get access to the cash you need, along with plenty more. You also get a well-established lender with extensive equity experience, a dedicated team of experts who will support you step by step, and a seamless approval process.
Predictable Payments
Enjoy consistent monthly payments throughout your term.
Confidence In Planning
Budget easily for long-term projects.
Funds on Your Schedule
Borrow as you go without reapplying for a new loan each time.
Frequently Asked Questions
A fixed-rate HELOC gives you predictable monthly payments and is ideal for long-term projects or ongoing expenses. With a variable-rate HELOC, your interest rate changes as market rates shift.
Borrow up to 90% of your home’s value, with loan amounts ranging from $50,000 to $500,000.
No application fee. Fixed-rate HELOCs come with a lender and an annual fee. Additional third-party fees may apply.
Yes, there are no prepayment penalties.
It may be tax deductible if funds are used for home improvements, but we recommend you consult with your tax advisor.**
/ Testimonials
Why Do Homeowners Choose Spring EQ?
See for Yourself.
Don’t just take our word for it. Hear from customers who used a Spring EQ HELOC to unlock opportunities and achieve their goals.
Megan K.
I just want to thank everyone who helped me get my loan. They jumped thru many hoops. They kept in contact with me as well.
I will definitely recommend them to others! I definitely give them all a 10 out of 10!
Awesome work ethics!
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 [Spring EQ] to others.
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!!
Thomas C.
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.
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.
Robert J.
Great experience, friendly customer service. Extremely fast results.
/ Other Products
Explore More Home Equity Solutions
Variable-Rate HELOC
Get easy access to funds with a rate that changes with market conditions.
/ Awards
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.
