HELOC & Home Equity
Your home equity, on demand.
A HELOC (Home Equity Line of Credit) lets you borrow against your home's equity as you need it, like a credit card secured by your home. We also offer fixed-rate home equity loans (second mortgages).
What it is
The basics of HELOC & Home Equity.
A HELOC (Home Equity Line of Credit) lets you borrow against your home's equity as you need it, like a credit card secured by your home. We also offer fixed-rate home equity loans (second mortgages).
Rate snapshot
Rates change daily and depend on credit, loan size, property, and program. For a real quote tailored to you:
Call (732) 754-7474Or get a personalized quote in our 60-second form below.
Who it's for
Built for borrowers like these.
Homeowners with 20%+ equity
Renovation projects
Debt consolidation
Tuition or major life expenses
How it works
From application to keys.
- 1
Equity check based on current home value
- 2
Soft credit pull pre-qualification
- 3
Choose HELOC (variable, draw period) or HELOAN (fixed, lump sum)
- 4
Appraisal (often AVM/desktop)
- 5
Funds in 2–4 weeks
FAQ
Frequently asked.
Disclosures
For information purposes only. This is not a commitment to lend or extend credit. Loan approval, rates, and terms are subject to credit qualification, collateral evaluation, and other underwriting requirements. Program availability varies by state. AMS Mortgage Services, Inc. NMLS #20843. Equal Housing Opportunity.