Tap Your Equity

Conventional Loans in PA, NJ & OH

Access the equity you've built as a lump-sum cash payment. Fixed rates, predictable payments, and expert guidance from our licensed brokers across PA, NJ, and OH.

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Home Equity Loan Snapshot

Rate Type Fixed

Funds Disbursed Lump sum at closing

Typical LTV Up to 85–90%

Min. Credit Score Typically 620+

Term Options 5, 10, 15, 20, 30 yr

Best For Large one-time expenses

Why Conventional

Put Your Home's Equity to Work

A home equity loan gives you a lump sum of cash at a fixed rate — predictable, flexible, and powerful.

Fixed Interest Rate

Lock in a predictable rate and payment for the life of the loan — no surprises, no rate fluctuations.

Lump Sum at Closing

Receive all your funds upfront at closing — ideal for large, one-time expenses like renovations or debt payoff.

Keep Your First Mortgage

A home equity loan is a second mortgage — your existing first mortgage rate stays exactly as it is.

Up to 85–90% LTV

Access up to 85–90% of your home's appraised value, minus what you already owe on your first mortgage.

Tax Advantages

Interest may be tax-deductible when funds are used to buy, build, or substantially improve your home. Consult your tax advisor.

We Shop the Best Rates

We compare home equity lenders across our network to find you the most competitive rate and terms available.

Common Questions

Home Equity Loan FAQs

Answers to the most common questions about home equity loans.

A home equity loan gives you a fixed lump sum at a fixed rate. A HELOC (Home Equity Line of Credit) is a revolving line of credit with a variable rate — more like a credit card. Home equity loans are better for large one-time expenses; HELOCs are better for ongoing or uncertain costs.

Most lenders allow you to borrow up to 85–90% of your home's appraised value, minus your current mortgage balance. For example, if your home is worth $400,000 and you owe $200,000, you may be able to access up to $160,000.

No — a home equity loan is a separate second mortgage. Your first mortgage rate, term, and payment are completely unaffected.

Common uses include home renovations, debt consolidation, college tuition, major purchases, and emergency funds. There are no restrictions on how you use the funds once received.

Home equity loans typically close in 2–4 weeks. We manage the entire process — appraisal, title, and underwriting — to keep things moving as quickly as possible.