Looking to unlock cash from your home?
Spring EQ can help!

Borrow up to 90% of your equity*
Get cash in as little as 11 days*
Average customer lowers monthly payments by $530*
Keep your low 1st mortgage rate

See Your Options:

 
 
Our guidelines do not currently allow investment properties. Please call if you have questions.

To be eligible the property cannot be multiple units. Please call if you have questions.

 
 
Our guidelines require that your co-borrower live at the same address as you if you are using your primary residence for financing. Please call {{dynamic_phone_formatted}} if you have questions.
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Our guidelines require that you not have a bankruptcy in the last years. Please call if you have questions.

Our guidelines require that you not have a bankruptcy in the last years. Please call if you have questions.

Our guidelines require that you not have a foreclosure in the last 7 years. Please call if you have questions.

To be eligible the property must be owner occupied and cannot be multiple units. Please call if you have questions.
We need your home value to determine your Home EQ.
You need to provide an estimate of your recurring monhtly income to proceed. Please call us with any questions.

One step away…

Primary Borrower

Co-Borrower

By clicking on the button above you consent, acknowledge, and agree to share with Realm LLC when applicable, the date you applied for a home equity loan, your application decision including the loan amount and the date your loan was finalized. You can contact us at any time to revoke this consent. If you do not want to consent to sharing this information, and still want to see your options, please go to springeq.com or call 855-923-2604. *In order to check the rates and terms that you qualify for, Spring EQ conducts a "soft" credit inquiry that does not affect your credit score. However, if you decide to move forward with a loan application, we will request your full credit report from one or more credit reporting agencies, which is considered a "hard" credit pull and may affect your credit score. By submitting this information I authorize Spring EQ and its affiliates to contact me via the phone number and/or the email you provided via automated technology, including, autodialing, prerecorded message, artificial voice, and text message (MMS and/or SMS). I understand that Spring EQ may call this number even if it’s a cell phone number, or is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. You may periodically receive e-mail correspondence from Spring EQ regarding news, tips, advice, and money saving offers. You can unsubscribe from some or all correspondence at any time.

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Questions? There's no obligation to learn more.

888-978-9978

Your Results

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Give us a call at (888) 978-9978  and one of our Loan Officers can determine your eligibility and options in less than five minutes.
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You're Pre-Qualified!

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Next Step:
Schedule an Appointment
Schedule Schedule

We're sorry, but it is currently outside of our operating hours in your timezone. We will call around 8 AM your time, or you can schedule a time for us to call you.

A Loan Officer licensed in your state will be reaching out as soon as we have one available (this can take several minutes). Talk soon!

Thank you! We will send you a calendar invite to confirm your appointment and will call you at the given time at the number you provided

Or if you prefer, call us at 888-978-9978

Spring EQ

Details to note:
Income documents may be more extensive for self-employed applicants. Loans above $175k will require an in-home appraisal. Loans above $250,000 require title insurance. Quarterly, we calculate The Spring EQ Cash-In-Pocket Index™ which is the average reduction of our customers debt payments where at least one debt was paid off with loan proceeds. The Q4 2019 Cash-In-Pocket Index™ reported a reduction in debt payments of $530.

To get cash in as little as 11 days is measured from the time, we receive all requested documents and assumes your stated income, property and title information provided in your loan application matches your documents and any supporting information collected. Spring EQ customers get their cash on average in 18 days. The time period calculation to get cash is based on Q3 2019 funding’s, assumes the funds are wired, excludes weekends and excludes the government mandated disclosure waiting period

Typical applicants are required to provide a current and valid completed application, proof of income, mortgage statement, home hazard insurance, and a photo ID. Applicants are typically not required to provide proof of assets, and proof of income may be more extensive for self-employed borrowers. Any pre-qualification or “Home EQ” value is in no way a pre-approval, indication of eligibility, or binding underwriting decision. All borrowers will be required to meet Spring EQ's current underwriting guidelines including verifications of applicant’s credit profile, debt-to-income ratio, and home’s current value.

For example, an applicant with owner-occupied single family home in Pennsylvania, credit score of 740, and 60% combined loan-to-value (LTV) which includes the first mortgage, and a debt to income ratio of 43% with a term of 20 years and NO points, would result in 4.99% rate and an Annual Percentage Rate (APR) of 5.205% The actual APR is subject to change based on settlement date chosen by borrower and the subsequent interim interest due from settlement date and 1st schedule payment.  Eligible borrowers must have a FICO score of 680 or greater and debt-to-income ratio of 50% or less.

Spring EQ offers options up to 90% of your home value for qualified borrowers with a credit score of 740 or greater excluding investment properties.

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