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What is a home equity loan?
A home equity loan is a secured loan that lets you tap into your home’s equity by borrowing a lump sum based on the gap between your home's market value and your outstanding mortgage. Unlike refinancing, it lets you access cash for major expenses—like home improvements or debt consolidation—while leaving your primary mortgage rate untouched.
What are common reasons to get a home equity loan?
Get cash without refinancing.
Home equity loans allow you to access cash from your equity without refinancing. If you already have a great rate, a home equity loan may be a better option than a cash-out refinance.
Fund home improvements.
Many home owners will use a home equity loan to fund major home improvement projects to protect their cash or avoid high interest rates provided by contractors.
Pay down expensive debt.
Home equity loans typically provide better interest rates when compared to expensive debt like a credit card. Use the cash from your home equity loan to consolidate your debt and create a monthly budget.
Ready to get started?
Join 60,000+ homeowners that have saved thousands with CapCenter.
Why you should choose CapCenter.
Unbelievable savings.
Most lenders charge closing costs between 1-3% of your loan amount, which can make a home equity loan expensive. CapCenter offers a ZERO Closing Cost home equity loan, giving you quick and inexpensive access to your home's equity.
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.
Home Equity Loan Tools & Resources
Home Equity Loan Rates
Get a personalized rate quote for your home equity loan. No personal information is required.
Home Value Estimation
Calculate how much equity you have in your home with our Home Value Estimation tool.
Rate Alerts
Sign up for weekly updates on CapCenter interest rates and receive special notifications when rates drop.
What are my home equity loan options?
Our experts will guide you through every step of your home equity loan.
1
Apply online
Our expert team of loan consultants will receive your application and contact you to discuss loan terms.
2
Lock your rate
Lock your rate once you are happy with your loan terms. Our team will work with you to schedule a closing date.
3
Finalize approval
Our underwriting team will verify your information and eligibility.
4
Sign
Sign your closing documents and celebrate your ZERO Closing Cost savings!
Get notified when rates drop!
Receive weekly rate updates and get special notifications when rates fall.
Frequently asked questions about home equity loans
What closing costs will I pay on my home equity loan?
How much can I borrow from my home equity?
What is a second lien, and how does it work?
Is an appraisal required to get a home equity loan?
Do home equity loans require private mortgage insurance (PMI)?
Reviews from our clients
See what our customers have said about us.
"I have refinanced my mortgage twice now with Cap Center. I highly recommend them. The process is easy and you can’t beat zero closing costs. Who doesn’t want to save money? You’ll be glad if you choose them!"
Janice W.
"CapCenter stays true to its Zero claim. I refinanced with CapCenter and had a great experience from start to finish. Friendly, knowledgeable staff"
Nicole H.
"Cap Center is such a pleasure to work with. They made my refinance process simple efficient and found me a fantastic rate. I couldn’t recommend them more highly."
JP
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