A fixed lump sum that leaves your first mortgage alone.
A home equity loan can help you access the equity in your home with funds for renovations, major expenses, debt consolidation, or other financial goals.
We compare home equity loan options across 100+ lenders to help you find the right fit for your needs and goals.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
A home equity loan is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You know exactly how much you need | A single figure for a single purpose is what this product is for | HELOC → |
| You want a payment that never changes | The main advantage over a line of credit | HELOC → |
| Your first mortgage rate is worth protecting | A second lien leaves it completely untouched | Cash out refinance → |
| You are consolidating a known balance | A fixed amount against a fixed debt is a clean match | Debt consolidation → |
| You are funding one large project | A kitchen, a roof, school fees, a wedding | Talk to us → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a home equity loan file needs
Equity in your home
Calculated after what you still owe on the first mortgage.
A credit history the lender can price
Second liens are underwritten with care because they rank behind the first loan.
Income you can evidence
Standard documentation, or a non-QM route if you work for yourself.
A valuation
How thorough depends on the lender and the amount.
A clear amount
Unlike a HELOC, you decide the figure up front and take it in one go.
Room for a second payment
You will be servicing two loans rather than one.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
You take it all at once
If you are unsure how much you need, a HELOC suits better. Borrowing more than necessary costs money from day one.
You now have two mortgage payments
Predictable, but two. Make sure the combined figure works before you commit.
It is secured on your home
The same as any mortgage. Fixed and predictable does not mean unsecured.
Nadeem Bhatti
Where we place home equity loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What homeowners ask about home equity loans
How is this different from a HELOC?
You take the whole amount at once and the payment stays the same. A HELOC lets you draw as needed but the rate usually moves.
Does it replace my first mortgage?
No. It sits behind it as a second lien, which is why your existing rate is unaffected.
Is the rate fixed?
That is the point of this product, and the main reason to choose it over a line of credit.
Which is cheaper, this or a cash out refinance?
It depends almost entirely on the rate you already hold. If it is low, a second lien usually wins. We price both.
Can I pay it off early?
Usually, though terms vary by lender. Worth asking before you sign rather than after.
See what your equity could release
Tell us about your home and your current mortgage. We will price a fixed second lien against the alternatives, free.