Unlock Your Home's Value
Your home is your biggest asset. Put its equity to work with a HELOC, Home Equity Loan, or Cash-Out Refinance.
Estimated HELOC Payment
$2,212
Principal & Interest only
Why Tap Your Equity?
Your home has been building value. Here are the smartest ways to put it to work.
Fund renovations
Upgrade your home and increase its value.
Consolidate debt
Replace high-interest debt with a lower rate.
Cover major expenses
Education, medical bills, or whatever you need.
How It Works
Access your equity in three straightforward steps.
Tell us your goals
Chat with Zoey about how you want to use your equity.
Review your options
A licensed loan officer presents HELOC, HEL, or cash-out refi options tailored to you.
Access your funds
Close quickly and put your equity to work — on your terms.
Which Option Is Right?
Compare the three main ways to access your home equity side by side.
HELOC
Home Equity Loan
Cash-Out Refi
What Our Clients Say
Real stories from real homeowners across the country.
“The team at Zoom made the entire process seamless. From pre-approval to closing, they were with us every step of the way.”
Satisfied Homebuyer
First-Time Buyer, Michigan
Ready to Unlock Your Equity?
Get started today. Chat with Zoey or call a licensed loan officer to explore your options.
Our Home Equity Products
Three ways to tap the value you've built. Explore each option to find the right fit.
HELOC
A revolving line of credit backed by your home's equity. Draw what you need, when you need it.
- Revolving credit line — use it like a credit card
- Pay interest only on what you borrow
- Flexible draw period (typically 10 years)
- Variable rate with potential tax benefits
Home Equity Loan
Borrow a lump sum against your home's equity with a fixed rate and predictable monthly payments.
- Fixed interest rate — payments never change
- Lump sum disbursement at closing
- Terms from 5 to 30 years
- Potential tax-deductible interest
Cash-Out Refinance
Replace your mortgage with a new, larger one and pocket the difference as cash.
- Access large amounts of equity at once
- Potentially lower your interest rate at the same time
- Single monthly mortgage payment
- Fixed or adjustable rate options