Put your home's equity to work
What would you use the money for?
Home improvement
Renovate, repair, or upgrade your home
Debt consolidation
Combine higher-interest balances into one payment
Retirement income
Supplement your income in retirement
Investment purposes
Put your equity toward other goals
Something else
We can help with that too
Free to compare, no obligation. Home equity products are secured by your home.
Two ways to tap your equity
Whatever your goal, there are two main paths — we help you compare both.
Cash-out refinance
Replace your current mortgage with a new, larger one — and take the difference in cash.
- One mortgage, one monthly payment
- Access a lump sum at closing
- May make sense if you'd also like to change your current mortgage terms
Home equity loan
Keep your current mortgage and borrow a lump sum against your equity as a separate loan.
- Your existing mortgage stays as-is
- Typically a fixed lump sum with predictable payments
- May make sense if you want to leave your current mortgage untouched
Both options are loans secured by your home.
Why first responders use their equity
Income that lenders actually understand
24/48/72 shifts, overtime, hazard differentials — our lending partners work with first responder pay structures when evaluating home equity options.
Bigger goals than a personal loan covers
Consolidating higher-interest debt, renovating, covering a major family expense — home equity can unlock larger amounts than unsecured loans, because your home secures the loan.
How it works
Tell us about your goal
Answer a few questions about your home, what you owe, and what you'd use the money for.
Compare your options
See how a cash-out refinance and a home equity loan stack up for your situation — side by side, no pressure.
Choose your path
If an option fits, you continue with the lender directly. If not, you walk away — no obligation either way.
See what your equity could do
A few minutes to check your options. Free to compare, no obligation.
Home improvement
Renovate, repair, or upgrade your home
Debt consolidation
Combine higher-interest balances into one payment
Retirement income
Supplement your income in retirement
Investment purposes
Put your equity toward other goals
Something else
We can help with that too
Free to compare, no obligation. Home equity products are secured by your home.
Your home secures these loans. Cash-out refinances and home equity loans are secured by your home. If you fail to make payments, you could lose your home to foreclosure. Borrowing against your equity reduces the equity you have in your home.
Costs and process. These products typically involve closing costs, an appraisal, and a longer process than an unsecured loan. Consider the total cost of borrowing, not just the monthly payment.
No guarantees. Whether either product is available or right for you depends on your equity, credit profile, income, property, and state. Nothing on this page is an offer, quote, or loan approval.