Looking to unlock cash from your home?
Spring EQ can help!

Borrow up to 100% of your equity*
Get cash in as little as 14 days*
Average customer lowers monthly payments by $513*
Keep your low 1st mortgage rate

See Your Options:

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To be eligible the property cannot be multiple units. Please call if you have questions.

We can only lend up to 70% of your home's value if it is an investment property

 
 
Our guidelines require two years of proof of income for self-employed borrowers. Please call the number above if you have any questions.
 
To be eligible you cannot have a bankruptcy, short sale, or foreclosure of a property in the last 4 years
To be eligible your credit score must be at least 640. If you are not sure, make your best estimate and proceed. Conditions may apply. Please call if you have questions.
To be eligible the property must be owner occupied and cannot be multiple units. Please call if you have questions.
We need your home value to determine your Home EQ.
You need to provide an estimate of your recurring monhtly income to proceed. Please call us with any questions.

SpringEQ
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We are calculating a personalized estimate of your best rate and maximum loan options. Thanks for your patience. To run all available options this typically takes 10 to 15 seconds.

Questions? There's no obligation to learn more.

Your Results

Please call us immediately – we were unable to provide a quote based on the information you gave us.

Don’t worry we can wrap this up fast – we just need a few more pieces of information…
Call Us Now 888-978-9978

Your Results

With your request for a loan amount of:

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Ask about your max loan option up to  ${{maximum_loan}}

Your New Monthly Payment Likely As Low As:

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Interest Rate
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Call Spring EQ Now 215-608-3415 Outside of US Dial  001-215-608-3415

OR click to below to

Schedule

Thank you! We will send you a calendar invite to confirm your appointment and will call you at the given time at the number you provided

Call me!

We're sorry, but it is currently outside of our operating hours in your timezone. We will call around 8 AM your time, or you can schedule a time for us to call you.

A Loan Officer licensed in your state will be reaching out as soon as we have one available (this can take several minutes). Talk soon!

Qualification is based on the accuracy of your answers provided and your ability to verify and document their accuracy to meet Spring EQ’s underwriting guidelines. This is not a firm offer of credit or lending decision. All offers and decisions are subject to meeting Spring EQ’s underwriting guidelines, including but not limited to verification of income and home value, as well as meeting debt-to-income, combined loan to value rations, and an acceptable credit score and payment history of other obligations. All rates are subject to change based on factors like time, specific borrower profiles and property characteristics.

Your Estimated Available Equity

AvailableEquity* {{homeEqInput}}UnavailableEquity {{reserveInput}}ExistingMortgage{{mortgageInput}}

This is the amount of equity in your home that you can access as cash via a Spring EQ loan

This is the amount of equity in your home that you cannot currently access as cash via a Spring EQ loan based on your estimated credit score

*We estimate you can draw this amount from your home based on your answers.   Show More Pre-qualification is subject to your property and occupancy type, the accuracy of your answers your ability to verify and document their accuracy to meet Spring EQ’s underwriting guidelines. This is not a firm offer of credit or lending decision. All offers and decisions are subject to meeting Spring EQ’s underwriting guidelines, including but not limited to verification of income and home value, as well as meeting debt-to-income, combined loan to value rations, and an acceptable credit score and payment history of other obligations. All rates are subject to change based on factors like time, specific borrower profiles and property characteristics. Hide

Details to note:
Income documents may be more extensive for self-employed applicants. Loans above $175k will require an in-home appraisal. Loans above $250,000 require title insurance.

*Regarding "$513 Lower Monthly Payments." 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 Q1 2019 Cash-In-Pocket Index™ reported a reduction in debt payments of $513.

*Regarding “Get cash in as little as 14 days.” Cash in as few as 14 days is measured from the time you meet the requirement of prompt delivery of all requested documents, and assumes your stated income, property, and title information provided during application matches exactly with documents and supporting information collected.

Typical applicants are required to provide a current and valid completed application, proof of income, mortgage statement, home hazard insurance, and a photo ID. Applicants are typically not required to provide proof of assets, and proof of income may be more extensive for self-employed borrowers. Any pre-qualification or “Home EQ” value 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 verifications of applicant’s credit profile, debt-to-income ratio, and home’s current value.

For example, an applicant with owner-occupied single family home in Pennsylvania, credit score of 740, and 60% combined loan-to-value (LTV) which includes the first mortgage, and a debt to income ratio of 43% with a term of 20 years and NO points, would result in 4.99% rate and an Annual Percentage Rate (APR) of 5.205% The actual APR is subject to change based on settlement date chosen by borrower and the subsequent interim interest due from settlement date and 1st schedule payment.  Eligible borrowers must have a FICO score of 640 or greater and debt-to-income ratio of 50% or less.

*Regarding “Borrow up to 100% of your equity.” Spring EQ offers options up to 100% of your home value for qualified borrowers.


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