Home equity Loan

Tap into your home’s value without refinancing

Get a lump sum loan using your home equity — fixed rates, predictable payments, and cash for what matters most.

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Are you looking for a lump sum loan?

A home equity loan is a second loan that uses your home’s equity, without replacing your existing mortgage. It’s ideal for home improvements, debt consolidation, or other major expenses.

Home equity Loan benefits

  • Access a lump sum of cash for big expenses
  • Keep your current mortgage while borrowing against your home’s value
  • Enjoy fixed interest rates and predictable monthly payments
  • Potential tax benefits on interest paid (consult a tax professional)
  • Use funds for home improvements, education, or financial planning

Eligibility requirements

  • Qualify with a credit score of 620 or higher to access our most competitive rates
  • Have at least 15-20% equity built up in your home to tap into your property's value
  • Maintain a debt-to-income ratio below 43% to ensure comfortable monthly payments
  • Show a stable income history spanning at least two years to demonstrate financial reliability
  • Demonstrate responsible financial management with a history of on-time mortgage payments