Now’s the time to Consider Refinancing Your 1st Mortgage

We do 1st mortgages too...Refinance, Cash Out, or Purchase we still make it EASY!

With rates at historical lows take advantage to save money, lower your monthly payments, and access cash

We are built to find the best option for and are so confident in our 1st Mortgage Products we challenge you to find a better deal
Get Your 1st Mortgage Options

The Spring EQ Difference

You have options when it comes to borrowing money to fund your goals, but only Spring EQ's loans combine the very best features of all of them.

Spring EQ Home Equity Loan Spring EQTypical Bank Home Equity Line of Credit Bank HelocPersonal LoanWhat This Means to You
Instant QualificationSAVE TIME - Know the details before wasting time on the process. Make one no-obligation call to get the details, qualified, and if ready, complete a quick application.
Cash in as little as 11 daysFUNDS FAST - Get your funds in as few as 11 days and our average customer gets their money in 18 days
Loan terms up to 30 yearsMORE CASH IN YOUR POCKET - A longer term equals lower monthly payments. Use that extra monthly cash to pay down your debts or reach your goals faster.
Great fixed ratesPEACE OF MIND - Your rate and cost will never change, unlike a HELOC, which can increase over time.
Keep 1st mortgageKEEP YOUR GREAT 1st MORTGAGE RATE - No need to refinance your 1st mortgage. Keep that great rate and get the cash you need.
Loans up to $500,000*NO CONSTRAINTS - The high rates of credit cards and personal loans are not cost-effective solutions for most large expenses, and you choose how you spend your home equity loan proceeds.
Streamlined lightweight processEASY & LESS TIME CONSUMING - After you're qualified, you only need to provide ID, statements for your mortgage plus home insurance, and proof of income. We do the rest.
Dedicated loan expertsHELP WHEN YOU NEED IT - Every customer is assigned a dedicated a team of loans experts always available to help you through the process.
Other ways to saveMONEY SAVING OPTIONS - Ask our experts about options to increase savings via home insurance, refinancing, and future home purchases.
Instant Qualification
SAVE TIME - Know the details before wasting time on the process. Make one no-obligation call to get the details, qualified, and if ready, complete a quick application.
Cash in as little as 11 days
FUNDS FAST - Get your funds in as few as 11 days and our average customer gets their money in 18 days
Loan terms up to 30 years
MORE CASH IN YOUR POCKET - A longer term equals lower monthly payments. Use that extra monthly cash to pay down your debts or reach your goals faster.
Great fixed rates
PEACE OF MIND - Your rate and cost will never change, unlike a HELOC, which can increase over time.
Keep 1st mortgage
KEEP YOUR GREAT 1st MORTGAGE RATE - No need to refinance your 1st mortgage. Keep that great rate and get the cash you need.
Loans up to $500,000*
NO CONSTRAINTS - The high rates of credit cards and personal loans are not cost-effective solutions for most large expenses, and you choose how you spend your home equity loan proceeds.
Streamlined lightweight process
EASY & LESS TIME CONSUMING - After you're qualified, you only need to provide ID, statements for your mortgage plus home insurance, and proof of income. We do the rest.
Dedicated loan experts
HELP WHEN YOU NEED IT - Every customer is assigned a dedicated a team of loans experts always available to help you through the process.
Other ways to save
MONEY SAVING OPTIONS - Ask our experts about options to increase savings via home insurance, refinancing, and future home purchases.

Join other smart homeowners and make your goals a reality with a home equity loan.

Home Improvements
    
Whether it’s home renovations, repairs or improvements, a Spring EQ loan can help you focus less on your budget and more on making your home truly yours.
Debt Consolidation
    
A home equity loan can help eliminate high-interest debt. On average, our customers lower their monthly payments by $530*, making it a great alternative to refinancing or a personal loan.
College & Education
    
Don’t stress over paying for college. A Spring EQ loan might be a better alternative to student loan debt, plus, it can be a personalized way to pay off existing student loans.
Everything Else
    
Whether it's for a dream wedding, a long-awaited family vacation or to fund the business you've always dreamed of, you'll get personalized access to cash.

Get a decision in minutes and your money in as few as 11 days.

  • Quick and simple process with 100% transparency
  • Great competitive fixed rates
  • Get a free, no-obligation quote
  • No in-home appraisal necessary
    *
  • Get a Free Quote

Meet some of our borrowers.

Spring EQ is here to help our customers unlock opportunities and reach their goals by using the equity they've built in their homes. Here are a few of our favorite customer success stories.

Ashley D.
Ashley D. SAVED $338 A MONTH by paying off credit cards and a personal loan.
Charles S.
Charles S. used his house to pay for needed renovations.
Jamie T.
Jamie T. SAVED $105 A MONTH by paying off her car loan, and remodeled her basement.