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home equity loan, spring equity, mortgage loans, creditopp.com, loanopp.com

Spring EQ makes home equity easy. Borrow up to $500,000 of your home's equity. Always hassle free.

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.

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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 $435*, 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 2 weeks.

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

Rates from 4.99%

Get An Approval Within Minutes
* 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 Q1 2019 Cash-In-Pocket Index™ reported a reduction in debt payments of $513.
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 640 or greater and debt-to-income ratio of 50% or less.  Spring EQ offers options up to 100% of your home value for qualified borrowers.
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