Choose Spring EQ

Fast, Flexible, Simple

Lower Payments

Interest-only payments for 10 years on HELOC loans

Flexible Options

Customize a home equity solution that fits you

More Cash

Access up to $500,000 of home equity (up to 90%)

Fast Funding

Thanks to our leading tech, simple process + expert team

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Access up to $500,000 from your home

To pay off debt, remodel your home or anything else, a home equity loan or Home Equity Line of Credit (HELOC) may be right for you.
 
Look to Spring EQ for Home Equity loans that can fund faster, have flexible terms from 5 to 30 years, and give you access to up to 90% of your home's equity in cash without affecting your first mortgage rate.
 
Our HELOC options even feature 10 Years of Interest-Only Payments!
 

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Many home values have hit record highs

Many Americans now have the opportunity to access more cash than ever from their homes.
 
With our fast, digital process and friendly, expert support—as well as a wide selections of flexible Home Equity loan options—more homeowners than ever are choosing Spring EQ.

 

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1 West Elm St, Ste 450 Conshohocken, PA 19428-4152, 888-978-9978


 

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    *Details to note:
    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 660 and meet all other qualifying criteria in Spring EQ's current underwriting guidelines. Spring EQ offers Home Equity loan options up to 90% of your home value for qualified borrowers with a excluding 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.