With a home equity loan, you can put it on the house.

Looking for a home equity loan? Need to consolidate your debts or cover a big expense? Empeople has loan options to help you lower your monthly mortgage payment or take out a home equity line of credit and benefit from the appraised value of your house. Leverage your current mortgage with one of our Home Equity loan options and feel confident in your decisions with step-by-step guidance from an experienced Empeople Loan Advisor.

I'm considering a home equity loan because:

- Home Improvement
- Debt Consolidation
- Big Expenses
One more question, which do you prefer? (select one)
- I prefer the security of a fixed-rate loan with a fixed monthly payment while I keep my existing mortgage.
- I prefer a line of credit setup over rather than a fixed dollar amount because I need money fast and want to keep my current mortgage.
- I am fine not keeping my current mortgage to take advantage of lower rates than my existing one has. And I would rather have only one loan in the end.
EZ Equity Loan
An EZ Equity Loan sounds like the best option for you! This is a second mortgage secured by your home where the rate is fixed and you repay both interest and principal each month with a balloon payment after 5 years. The payment is received as a lump sum and you cannot draw additional money from the loan. Here at Empeople we like to give our members options, let us know how you want to proceed.
I want to:
Apply for a LOAN
- Talk to an expert
Call us at (800) 338-6739 to speak with an EZ Equity expert or send a message with the form in the EZ Equity Loan section below.
Home Equity Line of Credit (HELOC)
A home equity line of credit (HELOC) sounds like the best option for you! Equity lines of credit let you draw cash as you need it up to your credit limit. These are adjustable loans so your monthly payments will change with the market. Often, HELOCs allow you to pay interest only for an initial period which can lower your monthly payments until you are ready to pay principal also. The interest is usually tax-deductible for loan amounts up to $100,000. Consult a tax advisor regarding the deductibility of interest. Here at Empeople, we like to give our members options, let us know how you want to proceed.
I want to:
Apply for a HELOC today
- Talk to a HELOC expert
Call us at (800) 338-6739 to speak with a HELOC expert or send a message with the form in the HELOC section below.
Cash Out Refinance
A cash-out refinance sounds like the best option for you! This is a refinance where you’ve built enough equity to refinance for more than you currently owe and take the additional cash. This will increase your monthly payments because you are borrowing more. You should compare the rates for refinancing against those for equity loans to see which are better. The interest on the new mortgage is usually tax-deductible. You should always consult a tax advisor for additional tax information. Here at Empeople we like to give our members options, let us know how you want to proceed.
I want to:
Apply for a HELOC today
- Talk to a Cash Out Refinance expert
Call us at (800) 338-6739 to speak with a Cash Out Refinance expert or send a message with the form in the Cash Out Refinance section below.
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EZ Equity

A fixed rate loan option.

APPLY FOR AN EZ EQUITY LOAN

Need a one-time lump sum for a major purchase, but don’t want to renegotiate your existing mortgage? Use the available equity of your home to secure an EZ Equity second mortgage and enjoy the security of a fixed-rate loan and steady payments. EZ Equity lets you keep your first mortgage and pay no penalty for prepayment, keeping your costs low with no additional mortgage insurance.

EZ Equity Benefits

Fixed-rate loan means stable monthly payments without market rate fluctuations
Repayment up to 10 years
No additional mortgage insurance costs
No prepayment penalty

EZ Equity Challenges

Lower market rate fluctuations are unavailable
Additional loan draw is not available with the convenience of a fixed payment
Secured by your home

Talk to an Expert

Call us at (800) 338-6739 to speak with an EZ Equity expert or send a message with the form below and we’ll contact you about an EZ Equity Loan.

Name*
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Home Equity Line of Credit

A line of credit when you need it.

APPLY FOR A HOME EQUITY LINE OF CREDIT

Your home equity is the difference between the appraised value of your home and your current mortgage balance. The more equity you have, the more financing options may be available to you. If you have built up significant equity, you may be able to borrow a portion of it using a Home Equity Line of Credit (HELOC). A HELOC lets you withdraw from your available line of credit as needed during your draw period.

HELOC Benefits

Interest-only payments for 120 months
Month 121 converts to a fully amortizing 180-month loan
A line of credit gives you access to cash over a period of time
Quick access to your funds
Funds can be used for most purposes

HELOC Challenges

Rates are adjustable, so they may rise over time
Secured by your home

Talk to an Expert

Call us at (800) 338-6739 to speak with a HELOC expert or send a message with the form below and we’ll contact you about a HELOC.

Name*
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Cash Out Refinance

Refinance and get cash.

APPLY FOR A CASH OUT REFINANCE

Refinancing can potentially lower your monthly payment, pay off your mortgage faster or get cash out for a big project you’ve been planning. Cash-out refinance gives you a lump sum when you close your refinance loan, and the proceeds are first used to pay off your existing mortgage(s), including closing costs and any prepaid items (for example real estate taxes or homeowners insurance); any remaining funds are yours to use as you wish.

Cash Out Refinance Benefits

Take advantage of lower rates or switch from an ARM to a fixed-rate loan
Cover an ARM balloon payment with a lump sum
All your mortgage finances in one loan
Maximizes your monthly savings

Cash Out Refinance Challenges

Monthly payments increase because you are borrowing more
New mortgage replaces your old loan with new terms and amortization schedule
Secured by your home

Talk to an Expert

Call us at (800) 338-6739 to speak with a Cash Out Refinance expert or send a message with the form below and we’ll contact you about a Cash Out Refinance.

Name*
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Email*
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