Put Your Home Equity to Work
Renovations, debt consolidation, or a major expense—I'll help you choose the right way to unlock your equity and get funded, often in just 2–3 weeks.
Three Ways to Access Your Equity
Pick the path that fits your goal. Tap any option to see how it works, then get a personalized quote.
Home Equity Loan
Fixed rate • Lump sum
One lump sum at a fixed rate and fixed payment. Best for a single large expense you want to budget around.
Learn moreHELOC
Revolving • Draw as needed
A revolving line of credit you draw from as needed—like a credit card secured by your home. Great for ongoing projects.
Learn moreCash-Out Refinance
Replace • One payment
Replace your mortgage with a larger one and take the difference in cash. Best when today’s rate beats your current one.
Learn moreWhich Equity Product Is Right for You?
Answer a few quick questions and get a recommendation based on your rate, goals, and how you plan to use the funds.
Find Your Best Equity Solution
HELOC vs. Home Equity Loan vs. Loan Factory Hybrid
What do you want to use the funds for?
“We had $180,000 in equity and needed $75,000—kitchen remodel plus paying off credit cards at 22% interest. Emmett set us up with a HELOC at 8.5%. We paid off the cards immediately and save over $800 a month. The flexibility to draw only what we need has been perfect.”
Paul & Nancy W.
$75K HELOC • Debt Consolidation + Reno • Denver, CO
Related Reading
How do I calculate the equity in my home?
Read more Home EquityWhat is a home equity loan?
Read more Home EquityWhat is a HELOC?
Read more Home EquityHELOC vs. home equity loan: what's the difference?
Read more Home EquityHome equity loan or cash-out refinance: which one?
Read more
Emmett Clark
Licensed Mortgage Loan Officer · NMLS #233747 · 20+ Years Experience
This article has been reviewed for accuracy by Emmett Clark, a licensed mortgage professional serving homebuyers across 18 states including California, Texas, Florida, Arizona, and Colorado. Last updated: July 2026.
Ready to Unlock Your Home Equity?
Get a free consultation to discuss your goals, compare your options, and see what you qualify for. Funding in as little as 2–3 weeks.
Licensed in 18 states • NMLS #233747 • View all licenses