Years of 5-Star Reviews

 
"I was amazed at how fast everything was put through."
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"Better terms than other companies that we shopped with."
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"They were 3-4% lower than other places I looked."
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Get a Free Quote for Your Needs

Get a free rate-estimate for your cash-out home equity needs.

 

 
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Why Spring EQ?

Founded in 2016, and anticipating interest rates not staying low forever, we set out to create a home equity service that delivered homeowners cash in a fast, smooth process without the need to refinance.
 
greencheck Get cash fast — up to $500,000 funded within 21 days on average
 
greencheckAccess up to 90% of your home's equity— receive the maximum amount of money that you need
 
greencheckUse it for anything — it's your money to do with as you please, use it for anything you need

About Us

An Industry Leader in Quality

From customers to third party reviews. Everyone finds Spring EQ the best option.

 

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Apply Now for a Home Equity Loan

Take the first step on a home equity loan or HELOC with the form below.

 

 

Frequently Asked Questions

"Home Equity Loans? HELOCs? What's right for me?"

A home equity loan is a way to get cash secured by the equity you've paid into your house. This allows you to get a much lower interest rate than any other personal loan, and it doesn't refinance your mortgage, so you get to keep your existing low-interest rate.  

  

It's a great way to get a large sum of cash for any purchase you might need, or pay off credit card debt that has a much higher interest rate than the home equity loan.

A Home Equity Line of Credit (or HELOC) is similar to a home equity loan in that it is backed by the equity in your house, but rather than being a loan, it is like opening a credit card with a very low-interest rate compared to any other unsecured line of credit.  

  

You could, for example, open up a HELOC of $50,000 and draw from that line of credit in small sums.

  

HELOCs are great if you're anticipating large expenses, but don't know exactly how much you'll need.

Call Spring EQ at 888-296-8757 or fill out the form above to get started. We'll help you throughout the entire process and answer any questions you might have.

Questions? We're here to help.

Contact Us
© 2026 Spring EQ LLC - NMLS ID # 1464945
 
 
 
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2929 Arch St., Suite 700, Philadelphia, PA 19104, 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.