Compare 12 ways to use your home equity — for renovations, debt consolidation, retirement, or your next property. One conversation. One application. More options.
Borrow as needed with a home equity line of credit (HELOC), receive a lump sum with a home equity loan (HELOAN), or explore refinancing and specialty loans.
12 programs to explore
Who it's forHomeowners who want flexible, ongoing access to equity with a fast, mostly digital process.
Fastest path from application to available funds.
Who it's forBorrowers with strong credit who want the lowest variable rate and a long draw period.
The classic line of credit — lowest cost for well-qualified borrowers.
Who it's forHomeowners who want HELOC flexibility but need each draw locked at a fixed rate.
Flexibility of a line, certainty of a fixed loan.
Who it's forA single large expense — a remodel, tuition, or consolidation — with one fixed payment.
Keep your low first-mortgage rate; borrow a lump sum on top.
Who it's forHomeowners whose current rate is near today's rates, or who want one simple payment.
Best when you can improve — or match — your current first-mortgage rate.
Who it's forHomeowners 62+ who want to eliminate their monthly payment or open a growing credit line.
Turn equity into retirement cash flow without a monthly payment.
Who it's forBusiness owners and 1099 earners whose tax returns don't show their real income.
Qualify on deposits, not tax returns.
Who it's forReal estate investors qualifying on the property's rental income, not personal income.
The property qualifies — you don't have to.
Who it's forMove-up buyers who need their current home's equity to purchase the next one first.
Make a non-contingent offer in a competitive market.
Who it's forVeterans and borrowers with lower credit scores who need lenient qualification.
The most forgiving qualification standards of the twelve.
Who it's forHomeowners 55+ in Arizona exploring retirement cash flow, especially with higher-value homes. HomeSafe Second may let eligible homeowners keep their first mortgage.
The balance grows over time. Keep paying taxes, insurance and any retained first mortgage; maintain and occupy the home. Repayment is required when loan terms trigger it. Product and state availability vary.
Who it's forHomeowners planning a major renovation whose home's expected value after improvements may support more borrowing than its value today. For primary residences and eligible second homes, not investment properties.
Keep your existing mortgage when used as a second lien. A monthly maintenance fee applies until completion is confirmed by an appraiser. Renovation plans, underwriting and location restrictions apply; unavailable in Texas.
Tap the boxes that describe you — no credit check, no contact info needed.
Your recommended programs and the reasoning behind them will appear here.
No. One application lets us price every program you're eligible for — there's no need to apply separately with multiple lenders.
That's the point of the first call. Tell us your goal and timeline, and we'll narrow 12 programs down to the two or three that genuinely fit.
That's exactly why we carry specialty programs like bank-statement HELOCs, reverse mortgages, and DSCR loans. Unusual is our normal.
No. Original program terms are illustrative; HomeSafe and Renovation HELOC summaries are based on supplied lender guidelines. Actual availability and terms depend on current guidelines, credit, age where applicable, equity, and property. Contact us for your real numbers.
Call me today to discuss which program is best for you.
★★★★★
“I think this was the 5th or 6th loan that Geoff and his team have done for me. He is hands down the best. Everything on his side is smooth, professional, and easy. There is no other lender I would do business with.”
Patrick
Verified client
“Amazing service, lots of options presented, everything went off without a hitch… highly recommend!”
Tess
Verified client
“Thank you, Geoff, for your hard work and dedication in getting me a mortgage. You jumped through hoops and got funding. Definitely recommended.”
Ion A.
Verified client
“Very knowledgeable, patient, took time to answer questions, great personality, comfortable to work with.”
Sandra C.
Verified client
“Geoff and his whole staff were great to work with and very pleasant and understanding. They helped me work out everything and always made me feel they enjoyed helping me. Wonderful group!!”
James C.
Verified client
“This is the second home your team helps me with, and again, you guys did a great job. Thank you!”
Gabriela D.
Verified client
“I love the communication you guys had with me with updates and made it super easy for us. Thank you for helping me and my family get to our home. Thanks for guiding us throughout the whole process. You guys are awesome.”
Louis A. H.
Verified client
Fifteen minutes with a broker who carries all 12 programs — you'll leave knowing exactly what your equity can do.
Apply NowOr call us directly — we answer.
