Home Equity Loans
Homeowners, get help with your high-interest debt
Use the equity in your home to consolidate debt, lower your monthly payments, and reduce your stress.
Home Equity Loans
Homeowners, get help with your high-interest debt
Use the equity in your home to consolidate debt, lower your monthly payments, and reduce your stress.
How home equity loans work for you
A low, fixed rate
Save money without touching your first mortgage.
More money in your pocket
Members save an average of $10,000 a year.
One easy monthly payment
Simplify life by consolidating up to $150k in high-interest debt.
Loving your current mortgage rate? Keep it.
Achieve Loans doesn’t require a refi.
A smart debt solution built for homeowners.
Simple and fast
Application-to-funding in as little as 15 business days. 2
Reduce your stress
Say goodbye to credit card debt and stop living paycheck to paycheck.
Meets your needs
If a home equity loan isn’t right for you, we’ll find a solution that is.
Real people, real progress
“This is a life-changing experience for both my wife and myself. I can now provide her with what she needs to meet her medical needs.”
— Michael J., member since 2021 3
Real people, real progress
"I was pre-qualified within minutes and I had a conditional approval within days. It is a huge relief that I will be able to save each month while paying one bill."
— Christine G., member since 2022 3
Home Equity Loans articles
Home Equity Loans
How does a home equity loan work?
Got equity? If you’ve been paying down your mortgage or your neighborhood has gone up in value, or both, you m...
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Home Equity Loans
Fixed-rate HELOC: Why it’s the best kind
You’re ready. Ready to get rid of your high-interest debt. Ready for that bathroom remodel. Ready to plan your...
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Home Equity Loans
Choosing between a cash-out refinance and a home equity loan
What's on your financial to-do list? Maybe it's paying off credit card debt. Or maybe it’s that kitchen reno y...
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Home Equity Loans
Are home equity loans tax deductible?
Home. It’s where you make memories, entertain friends and family, and feel safe. Upgrades and renovations can ...
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Home Equity Loans
How much can you borrow using a home equity loan?
Life costs a lot. Some big expenses are fun (like long-awaited kitchen and bath upgrades), and some are not so...
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Home Equity Loans
Home equity loan vs personal loan: tips to help you make the right choice
When you’re ready to tackle a large financial goal, it’s nice to have options. As a homeowner, you’re in the d...
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Home Equity Loans
Second mortgage versus home equity loan: Are they the same thing?
There’s a sense of satisfaction that comes with taking on your big financial goals. One advantage to homeowner...
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Home Equity Loans
What is a home equity line of credit (HELOC)?
Big expenses, like paying off credit cards or fixing your roof, can feel totally out of reach, but the finish ...
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Home Equity Loans
How long does it take to get a HELOC?
Once you’ve decided to tackle a big financial challenge, it’s exciting to hit the ground running. Just think—i...
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Home Equity Loans
What are the closing costs and fees for a home equity loan?
It’s smart to want to understand total borrowing costs before you apply for credit. Borrowing isn’t free, and ...
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Home Equity Loans
When does it make sense to use a home equity loan to pay off debt?
If you’re a homeowner, you may have a tool at your disposal that can help you manage your budget, lower the co...
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Home Equity Loans
When using home equity to remodel your home makes sense
It’s so nice to have a home that you truly enjoy living in. It’s also nice to have options that can help you a...
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Home Equity Loans
What it takes to get a home equity loan
Your home is more than just a roof over your head. It might also be the cornerstone of a solid financial plan....
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Home Equity Loans
Choosing between a cash-out refinance and a HELOC
Owning a home is a wonderful achievement. And one of the benefits is that homeownership itself can give you a ...
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Home Equity Loans
What is a home equity loan?
If you own your home, it’s an asset that might help you reach other financial goals faster. That’s because you...
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Home Equity Loans
6 ways to use a home equity loan or HELOC
Want to paint a mural on your living room wall? You can do that. Feel like converting your garage into a hobby...
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View all home equity loans articles
What you should know
What is a home equity loan through Achieve Loans?
It’s a home equity line of credit. You can borrow money from it, pay it back, then borrow again during the first five years of your loan term.
What makes Achieve Loans unique?
Unlike typical home equity loans, Achieve Loans offers a fixed-rate HELOC and guaranteed savings of at least $200 a month on debt consolidation requests. To learn more, read our Responsible HELOCs Exist article.
Will this impact my existing mortgage?
No. Our home equity loan does not touch your first mortgage rates or terms.
Is getting a home equity loan complicated?
No. There’s less paperwork than a typical first mortgage refinance. In most cases, there’s no need for an in-person appraisal of your home. You can receive the funds in as little as 15 business days.
Still poking around?
Check out our other solutions and see what’s best for you.
Personal(ized) loans
Get up to $50K to consolidate debt, make home improvements, fund big purchases, and more. 4
Resolve your debt
Reduce debt stress, so you can focus on your life. Let our team help resolve your high-interest debt in 24-48 months. 5
Explore your options
Get a full picture of your options so you can decide what’s best for you.
Built around your life, your needs, your goals.
Dedicated to being here for you
That’s what we’ve been committed to since 2002.
A coast-to-coast team
We’re financial experts passionate about helping people.
A vision of a brighter tomorrow
Our founders started this company to serve hardworking everyday people.