Your home equity loan options
Choose between our two Home Equity Loan terms: 30-year and 20-year. Choose the 20-year product to get the best interest rate. Choose the 30-year home equity loan to get the lowest monthly payment.
Get started30-Year Home Equity Loan
A standalone second mortgage that pays you a lump sum of cash, to be paid back over 30 years.
20-Year Home Equity Loan
A standalone second mortgage that pays you a lump sum of cash, to be paid back over 20 years.
Am I eligible for a Home Equity Loan?
Typically, you'll need at least 25% equity in your home, but this varies depending on your property value. Your qualification is subject to underwriting approval based on the following guidelines, which can vary depending on your situation.
0
%
Down payment
90
%
Finance up to
45
%
Debt-to-income
660
+
Credit score
$250,000
Max loan amount
Ready to get started?
Join 60,000+ homeowners that have saved thousands with CapCenter.
What are the benefits of a Home Equity Loan?
Get cash without refinancing your existing mortgage
Home Equity Loans are a separate from your existing mortgage, unlike a cash-out refinance which replaces your existing mortgage. If you already have a great interest rate, a Home Equity Loan is likely a better option for you.
Build wealth through home improvements
A common reason to get a Home Equity Loan is to fund a home improvement project. Larger scale projects such as home additions can substantially increase the value of your home.
Consolidate debt and improve your financial situation
You can Use the cash from your Home Equity Loan to pay off expensive credit card debt, giving you access to cheaper, longer-term financing.
Why choose CapCenter?
Unbelievable savings.
Most lenders charge closing costs between 1-3% of your loan amount, which can make buying or refinancing expensive. CapCenter offers ZERO Closing Cost mortgages, making homeownership more affordable by saving you thousands.
Competitive interest rates.
Sure they offer Zero Closing Costs, but they probably charge a higher rate, right? The answer is no. We price our interest rates to compete with prevailing market interest rates.
Expert service.
CapCenter has been providing savings and service for over 25 years. Our team is committed to helping you reach your financial goals according to your timeline.
Transparent pricing.
Our website pricing is real-time, accurate, and customized to your unique loan scenario.
Tools & Resources
Instant Rate Quote
Get a personalized rate quote for your mortgage without providing any personal information.
Mortgage Calculator
Get a full mortgage quote including your rate, cash to close, and savings with CapCenter.
Home Value Estimation
Estimate your home's value, calculate your home equity, and see how much you can save by selling with CapCenter Realty.
Rate Alerts
Sign up for weekly updates on mortgage interest rates and receive special notifications when rates drop.
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