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Home Equity Options

Put Your Home Equity to Work

Access the Equity You’ve Built — Without Refinancing Your First Mortgage

Your home may be one of your biggest financial assets. A Home Equity Line of Credit (HELOC) can give you access to available equity while allowing you to keep your existing first mortgage in place. Whether you’re planning home improvements, consolidating higher-interest debt, covering a major expense, or simply want access to additional funds, a home equity line may be worth exploring.

What Can You Use a HELOC For?

Home renovations and improvements
Debt consolidation
Major purchases
Education expenses
Emergency funds
Investment opportunities
Medical or unexpected expenses

Why Consider a Home Equity Line?

A HELOC gives you the flexibility to access funds as needed instead of taking all the money at once. Depending on the program and your qualifications, benefits may include:

Keep Your Current First Mortgage

If you already have a great mortgage rate, you may not need to refinance your entire loan to access equity.

Borrow Based on Available Equity

Your credit line is generally based on your home’s value, existing mortgage balance, credit profile, income, and qualifying factors.

Use Funds When You Need Them

A line of credit provides flexibility for both planned projects and unexpected life expenses.

Lower Borrowing Costs

For many homeowners, using home equity may be more attractive than relying on credit cards or unsecured personal loans.

See How Much Equity You May Be Able to Access

Getting started is simple. There’s no need to guess what your options might look like. Start by seeing what may be available based on your property and financial situation.

Explore Your Home Equity Options

Have Questions Before You Start?

I’m happy to help you determine whether accessing your home equity makes sense for your goals.