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traditional loans are painful.
so we fixed them.

Secure easier approval with options for FICO as low as 640 and discounts for well-qualified borrowers
 
Access up to 95% of your home's equity—banks and personal loans can't compete
 
Get cash fast—up to $500,000 funded in 21 days on average
 
Customize your loan with flexible terms—5 to 30 years and options featuring 10 years of interest-only payments
 
Enjoy faster, easier digital forms with dedicated experts to help when you need it
 
Use your cash to pay off debt, do home improvements or anything else

 

see your options. simple starts here

Submit this form to take the first step toward accessing up to 95% of your home's available equity.

 

 
© 2024 Spring EQ LLC - NMLS ID # 1464945
 
 
 Google star rating logo  LT_2018-2022-1  Spring EQ top-ranked Best Home Equity Lenders at Bankrate logo  Equal Housing Lender logo  Better Business Bureau A+ rating logo
 

 

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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.

    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 or “Home EQ” value 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 verifications 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 or greater and debt-to-income ratio of 50% or less. 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 debt-to-income ratio of 45% or less. Spring EQ offers Home Equity loan options up to 95% of your home value for qualified borrowers with a credit score of 700 or greater 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.