Is There a Pile of Cash in
Your House?

If you’ve owned your home for more than a year or two you likely have built up equity. This equity is the value of your home minus the outstanding balance on your mortgage, and represents the increased value of your home.

A home equity loan lets you borrow a portion of this increased value (equity) to pay off high-interest loans, start a home improvement project, or retire old medical bills.

And at we make it easy to access your home equity so you can get the money you need and manage life’s ups and downs.

  • Credit Card

  • Student Loans

  • Personal Loans

  • Collections

  • Medical Bills

  • IRS & Tax Debt

Prequalify three ways

  • Online

  • Over the phone with Ellie, our automated digital attendant

  • Or speak with one of our highly trained specialists

Answer 7 simple questions and we’ll quickly assess your situation and search for the best refinance options. In as little as 2 minutes we’ll match you to your best loan options.

No complicated forms. No credit check. No Social Security number required.

Click or Call 800-999-REFI (7334).

Meet our Lenders

Founded in 2018, Figure is a new lender that provides home equity lines of credit (HELOCs) in 37 states and the District of Columbia. Headquartered in San Francisco, Figure uses blockchain technology and artificial intelligence for an entirely digital application and funding process.

Borrowers can receive up to $150,000 through a Figure HELOC in as little as five days. Here’s what you need to learn about the lender and its product to determine if it’s the right fit for you.

Lender snapshot

If you need a HELOC and fast, Figure can help. Here are some highlights to give you an idea of what you’ll get with the lender:

  • Offers only HELOCs between $15,000 and $150,000.
  • Requires a minimum credit score of 600.
  • You can borrow up to a combined loan-to-value (CLTV) ratio of 95 percent.
  • Repayment terms include 5, 10, 15, and 30 years.
  • The only fee is an origination fee of 0 percent to 4.99 percent of your initial draw.
  • Fast funding time: You can get approved for a HELOC with Figure in as little as five minutes and get your money in as little as five days.

Act Now While Rates are Still Low!

There’s never been a better time to secure a home equity loan or line of credit. Interest rates are low, and home values are going up. But there’s no guarantee it will stay that way.

Take advantage of the equity in your home today by locking in a historically low-interest rate. Getting prequalified is quick and easy. Just 2-minutes, no Social Security number, and no credit check required to see if you qualify.

What if I have bad credit?

We understand that sometimes credit problems happen to good people. That’s why we’ve created partnerships that provide options for people who may have less than perfect credit. offers many loan options, including home mortgage, cash-out refinance, home, equity, and personal loans. That means we can usually find home equity lending options, even if you’ve been turned down before.

Put cash in your pocket!

A modern home equity loan is a great way to consolidate debt and put cash in your pocket for whatever you need!

And with you will:

  • Lock in historically low-interest rates—no matter what your credit score.
  • Access the increased value in your home before prices fall again.
  • Save time, hassle and protect your credit score.
  • Connect with lenders willing to lend to you.
  • Find home equity loan options even if you have less than perfect credit.