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Home Equity Loans
Put the equity you’ve built to work without giving up your existing first mortgage rate.
Access equity without refinancing
If you already have a low rate on your first mortgage, a home equity loan or line of credit (HELOC) lets you borrow against your equity as a second lien — without touching your existing loan.
Fixed-rate home equity loans and revolving HELOCs available
Keep your existing first mortgage rate in place
Common uses: renovations, debt consolidation, education, major purchases
Fast approval since it’s a second lien, not a full refinance
See how much equity you can access
We’ll estimate your available equity and walk through loan vs. line of credit options.
Home equity basics
Loan types
Fixed-rate home equity loan or revolving HELOC.
Lien position
Second lien behind your existing first mortgage.
Combined loan-to-value
Typically up to 80–90% CLTV depending on program.
Common uses
Renovation, debt consolidation, major expenses.