Home Equity Loans & HELOCs

Unlike a traditional personal loan or credit card, Home Equity products are secured by your property. This allows you to borrow larger amounts at significantly lower interest rates.

Why now? If you have a great rate on your current 30-year mortgage, you don’t want to refinance the whole thing to get cash. These products sit behind your current loan, leaving your primary rate untouched.

Call Us Toll Free at 833-481-2430

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Type Of Loans

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Expanded Access™ Home Equity Loan

Up to 100% Combined Loan-to-Value (CLTV)

Access more of your home’s value—faster and with fewer hurdles. Our Expanded Access™ Home Equity Loan allows qualified homeowners to borrow up to 100% of their home’s value, often without a traditional appraisal, and without refinancing their first mortgage. Featuring a 5-year interest-only period that converts to a fixed loan, this proprietary second-lien product is designed for speed, flexibility, and maximum access.

Best for: Homeowners who need maximum cash-out without long delays or traditional lending roadblocks.

Traditional Home Equity Loan

(2nd Mortgage)

A fixed-rate, lump-sum loan secured by your home that offers predictable monthly payments and keeps your existing first mortgage in place. In many cases, valuation can be completed using an AVM instead of a full appraisal, helping reduce time and cost.

Best for: Debt consolidation, renovations, or large one-time expenses.

HELOC

(Home Equity Line of Credit)

A revolving line of credit that lets you borrow as needed, repay, and borrow again. Ideal for ongoing expenses or phased projects, with flexible access to your home’s equity.

Best for: Ongoing expenses or projects over time.

Your Home Has Value. Put It to Work.

Access the cash you’ve built up over the years for the things that matter most—without refinancing your low-interest mortgage.

Three Ways to Access Your Equity

Every financial goal is different. We offer three distinct paths to help you reach yours.

1. The Traditional Home Equity Loan

The “One-and-Done” Solution. Receive a one-time lump sum with a fixed interest rate. Perfect for when you have a specific cost—like a roof replacement or consolidating debt—and you want the peace of mind of a predictable monthly payment that never changes.

2. The HELOC (Line of Credit)

The “As-Needed” Safety Net. A flexible line of credit that works like a credit card tied to your home. Only borrow what you need, when you need it. It’s the ultimate tool for ongoing projects or as an emergency fund for “just in case.”

3. Expanded Access™

The “Maximum Power” Option. Our proprietary product for those who want more. While most banks stop at 80% of your home’s value, Expanded Access™ allows you to borrow up to 100% CLTV with faster digital appraisals and an interest-only period to keep your initial payments low.

Questions?

Call us today to discuss which loan program is right for you.

800.896.9374

Testimonials

"Brian and his team did a great job for my loan. I appreciate all the work and effort that they put into my loan. I would work with Brian and his team in the future."

JimSan Diego, CA

"Moses was diligent, thorough and thoughtful while we worked together to find the best refi possible. From initial conversation to close, we were well under 30 days. He and the team were highly communicative and would recommend him to family and friends."

MJScottsdale, AZ

I’m not gonna lie, I loan shop. Kevin won, period. He offered the best rate and APR (very affordable loan cost). Kevin was courteous and assuring. Would highly recommend Watermark/Kevin.

AndreaValley, WA

"Martin was extremely professional and I appreciate how quickly he replied to emails. He met and exceeded my expectations. Watermark was a great company to works with, the entire team."

MoebGold Beach, OR

"Highly responsive and patient. Explained the entire process up front and no surprises at the end. I was a bit nervous about the entire online process in the beginning but James eased my mind by keeping in touch and answering my many questions. Highly recommend!"

Anna MarieTampa, FL

Get notified when rates drop!

With Rate Watch, we’ll notify you via email when rates drop below your current rate.