home equity loans
Get cash for what you need—from your home equity
How much do you want to borrow?1
TrustScore 4.8 | 5
$300,000
max loan amount if qualified1
APRs from 6.74%
up to 14.75%. Fixed Rate APRs.1
Save with a fixed-rate HELOC
Get a low, fixed rate
Your rates will never change, no surprise balloon payments.
Flexible funds and terms
Loans up to $300,000 with 10, 15, 20, or 30-year terms for what you need.1
Get your cash fast
Loan decision in minutes. Application-to-funding in as fast as 10 days.
Personal, expert help
A licensed Mortgage Advisor will work with you to customize your loan.
No refi required
Loving your current mortgage rate? Keep it without changing your terms.
Lower monthly payments
An affordable monthly payment lower than with credit cards or personal loans.
Apply for your HELOC in 3 easy steps
Apply in 2 minutes for free
Answer a few questions online or over the phone to see if you qualify.
Talk to a mortgage expert
Get personal service to customize your home equity loan to meet your needs.
Get funds in 10 days
You could have money in your pocket in as few as 10 days if approved.
HOME EQUITY LINE OF CREDIT
3 ways to put your home equity to work
MEMBER STORY
The hidden gold mine in Jeremy’s home
“To dig myself into a hole, and then to be able to tap into the equity in my home to get myself out of that hole is the best feeling in the world.”
— Jeremy R., Achieve member*
*Actual member. Member’s endorsement is a paid testimonial. Individual results are not typical and will vary.
Home equity loans basics
Achieve HELOC
Fixed interest rate
Save on monthly payments
Fair credit (600+ credit score) okay for debt consolidation
Funding within 10-12 business days
No early prepayment penalty fees
Traditional HELOCs
Variable interest rate
Not guaranteed to save on monthly payments
Requires a good credit score
Funding in 30+ business days
May charge prepayment penalty fees
