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Crestico Funding
  1. Home
  2. Home Loans
  3. Loan Options
  4. Access to Home Equity

Access Your Home Equity and Turn Your Home Value Into Cash

Your home is one of your most valuable financial assets. As you build equity over time, you may be able to use that value to fund important life goals without selling your property. Whether you are planning home improvements, consolidating debt, covering education expenses, or preparing for a major investment, Crestico helps homeowners explore flexible home equity financing solutions that fit their financial goals.
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Home model beside stacked coins and savings jar representing access to home equity financing and home equity loan options.

What Is Home Equity?

Home equity is the portion of your home’s value that you truly own. It is calculated by subtracting your remaining mortgage balance from your home’s current market value.

For example, if your home is worth $600,000 and your remaining mortgage balance is $350,000, you may have approximately $250,000 in available equity. Depending on your financial profile and lender requirements, part of this equity may be available through a Cash Out Refinance or Home Equity Line of Credit.

Why Homeowners Access Home Equity?

Many homeowners use home equity because it often offers lower interest rates than personal loans or credit cards. Funds can be used for many financial goals including:

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

Step 1

Check Eligibility

Step 2

Payment Option

Step 3

Get Approved

Step 4

Close the Loan

Step 5

Repayment & Loan Terms

Why Choose Crestico For Home Equity Financing

Competitive Interest Rates

Access financing that may offer lower rates than many unsecured borrowing options.

Flexible Loan Programs

Choose financing options designed around your financial goals and repayment preferences.

Simple Approval Process

Our experienced team keeps the process organized, efficient, and easy to understand.

Personalized Lending Solutions

Whether you need a Cash Out Refinance or Home Equity Line of Credit, we help match you with the right program.

Transparent Costs

Clear loan terms with no unexpected surprises during the process.

Experienced Mortgage Professionals

Work with knowledgeable loan officers who guide you from application through closing.

Who Can Benefit From Accessing Home Equity?

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Homeowners planning renovations
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Families paying for college
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Borrowers consolidating debt
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Homeowners preparing for retirement
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Real estate investors
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Self employed borrowers
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Individuals needing funds for unexpected expenses

Frequently Asked Questions

What is home equity?

Home equity is the difference between your home’s current market value and your remaining mortgage balance.

How much equity do I need?

Most lenders require sufficient equity while also considering your credit score, income, and loan to value ratio. Eligibility varies by program.

What is the difference between a HELOC and a Cash Out Refinance?

A HELOC provides a revolving line of credit secured by your home, while a Cash Out Refinance replaces your existing mortgage with a new loan that provides additional cash.

Can self employed borrowers qualify?

Yes. Crestico offers financing options for self employed borrowers, including Bank Statement Loan programs when applicable.

How long does the process take?

Most home equity loans and Cash Out Refinance transactions close within approximately two to four weeks depending on documentation and underwriting.

Get the Best Home Loan Rates  With Crestico

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