Find the Right Home Equity Solution for You
Home Equity: The Smart Choice for Today’s Homeowners
Home equity has been on the rise for years, and today, homeowners have more equity than ever before. And with many homeowners locking in low first mortgage rates, refinancing to a higher rate doesn’t make sense.
Loan Amounts From $50,000 to $500,000
Pay Off Debt, Make Home Improvements, Cover Large Expenses
Terms That Fit Your Needs
Fast Funding (As Few As 11 Days)*
Which Product Is Right for You?
Fixed-Rate Home Equity Line of Credit (HELOC)
A fixed-rate HELOC combines the flexibility of a line of credit with the certainty of fixed payments. That makes it a smart choice for long-term home improvements or larger recurring expenses.
- Fixed rate for consistent payments for the lifetime of your loan
- Flexibility to access equity as needed
- Borrow up to 90% of your home’s value
Variable-Rate HELOC
A variable-rate HELOC offers flexibility and access to your equity with a rate that adjusts over time with market conditions. This option works well for short-term or occasional borrowing where you pay down the loan quickly.
- Variable rates that may start lower than fixed
- Flexibility to access equity as needed
- Borrow up to 90% of your home’s value
Home Equity Loan
A Home Equity Loan provides a one-time lump sum with fixed monthly payments. It’s designed for homeowners who prefer stability and a clear payoff plan.
- Lump-sum funding upfront
- Fixed interest rate and term length
- Terms ranging from 10 to 30 years.
Cash-Out Refinance
A cash-out refinance replaces your existing mortgage with a new one that’s larger than your current balance, allowing you to receive the difference in cash. It’s a simple way to use your home’s equity for major expenses or financial goals.
- Access a lump sum of cash at closing
- Maintain one predictable monthly mortgage payment
- Use funds for renovations, debt consolidations, or other big expenses
/ Trust in Spring EQ
Why Homeowners Choose Spring EQ
Choosing the right lending partner matters just as much as choosing the right product. At Spring EQ, you’ll find competitive rates, flexible terms, and a team committed to helping you succeed. With years of experience and tens of thousands of satisfied customers, we make home equity lending faster, easier, and more reliable.