Access Your Home Equity - Unlock Your Home’s Potential for Cash, Comfort, and Freedom

Your home is more than just a place to live — it’s a place where memories are made and one of your greatest financial assets. Protecting and maximizing its value is an important step toward building long-term stability and financial security.

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Step 1

Check Eligibility

Step 2

Payment Option

Step 3

Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms

Why Access Home Equity?

Using your home’s equity to fund your goals can be a smart financial move when you need cash. Some of the most popular reasons homeowners access home equity include:

Home Improvements: Upgrade your kitchen, add a new room, or improve curb appeal

Debt Consolidation: Pay off high-interest credit cards or loans with a lower mortgage rate

Education Expenses: Fund tuition or pay for educational loans

Starting a Business: Use equity to invest in your entrepreneurial journey

Car Purchase or Repairs: Use funds to buy a new car or cover vehicle maintenance costs

Vacation or Large Purchases: Take that dream vacation or invest in something that matters to you

Benefits of Accessing Home Equity Through Crestico

Competitive Rates: Access equity at lower interest rates than personal loans or credit cards

Flexible Loan Terms: Choose from fixed-rate or adjustable-rate options

Fast and Easy Process: Crestico’s streamlined process means quick approval and fast closing times

Customizable Solutions: Whether it’s a cash-out refinance or a HELOC, we offer tailored solutions based on your financial situation

Expert Guidance: Work with experienced loan officers who will help you through every step of the process

No Hidden Fees: Transparent, clear terms with no surprises

Frequently Asked Questions (FAQs)

What is home equity?
Home equity is the difference between your home's current market value and what you owe on your mortgage. If your home is worth $300,000 and you owe $150,000, your equity is $150,000.
How can I access my home equity?
You can access your home equity through a cash-out refinance or a home equity line of credit (HELOC). Both options allow you to borrow against the value of your home for various purposes, like debt consolidation, home improvements, or paying for major expenses.
Can I access home equity if I have a low credit score?
While a higher credit score is often beneficial, Crestico offers flexible lending programs and may be able to work with you if your credit score is 620+. We’ll evaluate your individual situation to find the best solution.
How long does it take to access my home equity?
The process typically takes 2-4 weeks, depending on the loan type and required documentation. Crestico works quickly to get your approval and funds to you without delays.
Will accessing my home equity affect my mortgage rate?
If you choose a cash-out refinance, your new mortgage rate could differ from your current rate. Crestico will work with you to ensure you receive the best possible rate for your situation.
Can I access home equity if I’m self-employed?
Yes, Crestico offers specialized programs for self-employed borrowers. If you have non-traditional income sources, we can explore options such as bank statement loans or asset-based qualifications.

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At Crestico, our loan programs are designed to meet a wide range of financial needs—whether you're buying your first home, refinancing, investing in property, or looking for flexible financing options. From conventional and government-backed loans to non-traditional and specialty programs, we offer solutions that align with your goals. Our experts help match you with the right loan, offering competitive rates, personalized terms, and a smooth approval process.