woman paying off debt with a fixed-rate HELOC

ACCESS CASH FROM YOUR HOME

Access up to 90% of your home's equity—banks and personal loans can't compete
 
Get cash fast—up to $500,000 funded in as few as 11 days
 
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 RATE

 

At Spring EQ, we offer a variety of financial solutions to our customers based on their unique needs and situations. From home equity loans to both variable and fixed-rate home equity lines of credit (HELOC) loans, we've got a custom-made solution for you.

 

 

FIXED-RATE HELOC

Our Fixed-Rate HELOC loans combine the advantages of predictable payments with the flexibility often found only in variable-rate lines of credit. Lock in a competitive rate that won't change, providing assurance against market fluctuations. This option is ideal for home improvements, education expenses, or even consolidating high-interest debt. LEARN MORE

 

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VARIABLE-RATE HELOC

Our Variable-Rate HELOC loans offer you maximum flexibility with potential for lower initial rates. Enjoy the ability to adjust your balance and repayment terms according to changing financial conditions. This option is perfect for those who want to capitalize on market trends and manage expenses like unexpected repairs or cash flow adjustments. LEARN MORE

 

 

FIXED-RATE HOME EQUITY LOANS

Our home equity loans provide an excellent solution for funding significant expenses. Whether you’re looking to consolidate debt, finance home improvements, or invest in other opportunities, our fixed-rate loans offer stability and peace of mind. Enjoy competitive rates and flexible terms designed to suit your financial goals and lifestyle. LEARN MORE

 

 

 
Your needs are personal, so you can customize a loan that's perfect for you.
See your rate instantly—it's the first step to making your goals a reality.
 
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Home Improvement
 
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Pay Off Debt

 
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Education Expenses
 
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Any Major Purchase
 

GET IN TOUCH WITH US TODAY

Whether you're consolidating debt, funding a home renovation, or planning for the future, we're committed to providing flexible, custom solutions tailored to your needs. Our dedicated team is here to assist you every step of the way. Contact us today to explore your options and get started on achieving your financial goals.
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© 2025 Spring EQ LLC - NMLS ID # 1464945
 
 
 
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1 West Elm St, Ste 450 Conshohocken, PA 19428-4152, 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.