A fixed-rate loan against your equity, paid out in one lump sum.
A Home Equity Loan (HELOAN) gives you a set amount upfront with a fixed rate and fixed monthly payment - a second mortgage that sits behind your existing loan. Available for self-employed borrowers without tax returns, and on investment properties too.
- Fixed Rate & Payment
- No Tax Returns Needed
- Investment Properties OK
- No Appraisal in Most Cases
Get a Free Rate Quote
A local loan officer replies directly - usually within one business day.
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What makes our Home Equity Loan different
Fixed rate, fixed payment
One predictable monthly payment for the life of the loan - no surprises if rates move after you close.
No tax returns required
Self-employed and business owners can qualify using bank statements instead of tax returns - no write-offs working against you.
Investment properties eligible
Tap equity in a rental or investment property, not just your primary residence - something most lenders won't touch.
No appraisal, most cases
Many of our Home Equity Loan files close without a full appraisal - faster, cheaper, less hassle.
Want a revolving line instead of a lump sum? Compare it to a HELOC.
Who a Home Equity Loan is right for
A Set Amount, Upfront
Ideal when you have one specific cost in mind and want a fixed rate and fixed payment from day one.
Debt Consolidation
Roll higher-interest debt into one lower-rate payment secured by your home's equity.
Home Improvement
Fund a renovation, addition, or repair project using the equity you've already built.
From application to funding
Tell us your situation
W-2, self-employed, or investment property - we confirm your equity and documentation fit our Home Equity Loan program.
We estimate your equity
A quick review of your home's value and existing mortgage balance tells us what's available.
Streamlined underwriting
Bank statements instead of tax returns for self-employed borrowers, and often no appraisal needed.
Get funded
Your Home Equity Loan closes and funds arrive as a single lump sum.
Skip the wait, not the equity.
A full appraisal can add weeks and hundreds of dollars to a Home Equity Loan. In most cases, we're able to close using an automated or desktop valuation instead - no appraiser walking through your home, no scheduling delays. It's one more way we get you access to your equity faster than a typical bank.
Home Equity Loan questions, answered
What's the difference between a Home Equity Loan and a HELOC?+
A Home Equity Loan (HELOAN) gives you a fixed lump sum upfront with a fixed rate and fixed monthly payment. A HELOC is a revolving line of credit you draw from as needed, usually at a variable rate.
Will a Home Equity Loan change my first mortgage?+
No. A Home Equity Loan sits behind your existing mortgage as a separate second lien. Your first mortgage's rate and terms stay exactly as they are.
Can I get a Home Equity Loan if I'm self-employed with no tax returns?+
Yes. We offer bank-statement Home Equity Loan programs built for self-employed borrowers and business owners, using 12-24 months of bank statements instead of tax returns.
Can I get a Home Equity Loan on an investment property?+
Yes. Unlike many lenders that only offer Home Equity Loans on primary residences, we offer this on investment and rental properties as well.
Related options
Ready for a fixed-rate loan against your equity?
No pressure, no obligation - just a clear answer from a local loan officer.