Tap Into Your Equity with a Home Equity Loan
A Home Equity Loan gives you one lump sum of cash with fixed payments over time. With a rate and term locked in, you’ll know exactly what to expect each month, making it simple to plan ahead.
/ Home Equity Loan
See What a Home Equity Loan Can Do for You
A Home Equity Loan gives you the clarity and stability you need to manage your finances effectively. Explore how this fixed-rate loan option can help you achieve your financial goals.
A one-time payout makes it easy to understand exactly what you’re borrowing.
Home Equity Loans work well for large expenses that require full funding upfront.
Fixed terms and payments mean no surprises as you pay off your loan.
Home Equity Loan Benefits
Secure, One-Time Payout
Access funds upfront for home renovations, debt consolidation, medical bills, or big purchases.
Access Up to $500,000
Borrow the amount you need, based on your available home equity.
Fixed Monthly Payments
Predictable payments with terms ranging from 10 to 30 years.
Keep Your Low First Mortgage Rate
Tap into your home’s equity without touching your existing low mortgage rate.
Qualify With As Low As a 640 FICO
You don’t need perfect credit to take advantage of a Home Equity Loan.
Fast Funding
Receive funds in as few as 11 days.*
Build Credit With On-Time Payments
Responsible repayment can help improve your credit score.
Potential Tax Advantages
In some cases, the interest may be tax-deductible if the funds are used for home improvements.**
The Right Product Brought to You By the Right Lender
When you get a Home Equity Loan from Spring EQ, you get the cash you need upfront, along with plenty more. You also get a well-established lender with extensive equity experience, a dedicated team of experts who will support you step by step, and a seamless approval process.
Predictable Payments
Lock in a fixed interest rate and enjoy consistent monthly payments. With a Home Equity Loan, you’ll always know what to expect.
Upfront Funding
Receive your entire approved amount in one lump sum. This makes a Home Equity Loan a smart choice when you need full funding at once for large expenses.
Simple, Reliable Structure
Borrow with confidence using a straightforward loan that gives you stability and a clear payoff timeline.
Frequently Asked Questions
A Home Equity Loan gives you your full amount upfront with fixed monthly payments. A HELOC works like a revolving line of credit, and you choose between a variable or fixed rate.
There is a lender fee but no annual fee.
Yes, there are no prepayment penalties.
It may be tax deductible if funds are used for home improvements, but we recommend you consult with your tax advisor.**
Borrow up to 90% of your home’s value, with loan amounts from $50,000 to $500,000.
/ Testimonials
Why Do Homeowners Choose Spring EQ? See for Yourself.
Don’t just take our word for it. Hear from customers who used a Spring EQ Home Equity Loan to unlock opportunities and achieve their goals.
Scott P.
I love the attention I have been giving. I appreciate everyone's tolerance of all my questions and educating me through the process. So far this has been a lot easier than I thought it would.
Megan K.
I just want to thank everyone who helped me get my loan. They jumped thru many hoops. They kept in contact with me as well.
I will definitely recommend them to others! I definitely give them all a 10 out of 10!
Awesome work ethics!
Thomas C.
My experience getting this home equity loan has been outstanding. Professional communication and quality service. I would recommend Spring EQ for anyone's home equity needs. They are as professional as you can get and more.
Tina T.
I must tell you that Pat and his team have been absolutely wonderful. Friendly, knowledgeable, efficient. I am impressed. I will definitely recommend Spring EQ.
Jarred L.
Experience has been great everyone has been super patient with me and super quick on getting everything that I needed from them. Been a wonderful experience!!!! Thank you so much!!
Christina D.
It was a fast, smooth process from the beginning. Everyone involved during this process was very helpful and did a great job with the timing of everything. I am pleased.
Mark C.
Convenient loan, no hassle. Needed money for tuition, bills, etc. and in 5 days I got the money. Thank you so much. You are a big help financially to my problem.
Debra S.
Thank you for helping me with this loan, I appreciate all that you have done, You were very quick and efficiently got everything done in a timely matter and I appreciate it, thanks again and I definitely will let my friends know about you.
Cecil H.
If all of your Loan Officers are as diligent, understanding and helpful as my Loan officer (Patricia Traenkner) then you would always be the number one home equity company that everyone should use. Thank you all so much and especially Ms Patricia!!!!
Robert J.
Great experience, friendly customer service. Extremely fast results.
/ Other Products
Explore More Home Equity Solutions
Fixed-Rate HELOCs
Enjoy the flexibility of a credit line with the long-term stability of predictable monthly payments, ideal for long-term projects or ongoing expenses.
Variable-Rate HELOCs
Access funds as you need them with a rate that adjusts with the market, best for short-term or occasional borrowing where you can repay the loan quickly.
Home Refinance
Refinance your current mortgage to take cash out or find new terms that fit your needs.
/ Why Spring EQ?
Don’t Just Take Our Word for It: Industry Leaders Trust Us Too.
We’re proud of the recognition we’ve earned across the industry. Check out some of the awards we’ve received.
