medium sized home

Tap into your home’s value

You don’t have to sell to take advantage of a hot housing market.

Which home equity loan is right for you?


5-year fixed-rate

Borrow up to 100% of your home’s current value and pay it back at a predictable monthly cost.

10-year fixed-rate

Borrow up to 100% of your home’s current value and pay it back over a longer term.

Home equity line of credit (HELOC)

This flexible option enables you to take out money as you need it.

What to expect


Estimate your equity

Enroll in Vibrant's free home value monitoring tool to get an estimate of your home's value and how much equity you've accumulated.


Estimate payments

Figure out how much you can afford to borrow and what monthly payments to expect using our online calculators


Submit an application

Gather your financial documentation and set aside about 20 minutes to complete the application.


Get a decision fast

Wait for a call! Once we process your application, it should take between 2 to 6 weeks to receive your funds.


What’s the difference between a home equity loan and a home equity line of credit (HELOC)?

A home equity loan is paid out in a lump sum, and you’ll start repaying your loan within a month of receiving it. A HELOC is more like an extremely low-interest credit card. When you need money, you can draw upon the account. Until then, you owe nothing and have nothing to pay back. Generally, with a HELOC, you’ll also only be required to pay back 1% of your outstanding balance, so your payments can be lower over time.

Does a home equity loan have the same fees associated with it as a mortgage loan?

The fees associated with a home equity loan may be much lower because they're assessed according to the size of your loan. Generally, you won’t need a full appraisal to get a home equity loan, either.

Do I have to use my home equity loan on my home?

No, you can use the funds for anything from buying an investment property to consolidating your credit card debt.

What documentation will I need to provide?

In addition to information about your employment history, W-2s and pay stubs, bank statements, and information about other outstanding debts like car loans or credit cards, you’ll need to prove that you own the property you’re borrowing against and that it is adequately insured.