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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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
Expert Guidance
No Hidden Fees
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.
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.
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.
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.
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.
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.