Business Details
27 Years
experience
Your Trusted Source for Home Equity Loans & HELOCs
Home Equity Mart was founded in 1999 by a group of prominent lenders from Florida and California. Our mission is to provide homeowners with access to competitive home equity loans, HELOCs, and personal loans through a network of trusted lenders. We specialize in connecting consumers with financing solutions tailored to their unique needs, whether they're seeking debt consolidation, home improvements, or cash-out options. With over two decades of experience in the mortgage industry, we prioritize transparency by offering no-cost loan quotes and eliminating hidden fees.Our team understands the importance of competitive interest rates and flexible terms, ensuring clients receive personalized guidance throughout the lending process. As a digital platform, we streamline access to top-tier lenders across all 50 states while maintaining a commitment to customer education about loan qualifications and financial implications. Our expertise extends to specialized programs for borrowers with varying credit profiles, including investment property financing and second mortgage refinancing options.
Services
Home Equity Loans
HELOC
Personal Loans
Debt Consolidation Loans
Cash Out Refinance
Details
- Year established: 1999
Highlights and features
- We've connected homeowners with lenders since 1999
- No-cost loan quotes with complete fee transparency
- Access to top-tier lenders across all 50 states
- Specialized programs for debt consolidation and investment properties
- Personalized guidance for borrowers with all credit profiles
Services
Home Equity Loans
Fixed-rate home equity loans provide lump-sum financing using property equity as collateral. Ideal for major home improvements, debt consolidation, or large purchases. Our network lenders offer competitive rates with transparent terms for qualified homeowners seeking predictable monthly payments.
HELOC
Home Equity Lines of Credit offer flexible revolving credit with interest-only payments during draw period. Perfect for ongoing expenses like home renovations or education costs. Our lenders provide competitive variable rates with extended access to funds for qualified applicants.
Debt Consolidation Loans
Consolidate high-interest debts into single lower-rate loan using home equity. Our lenders specialize in helping homeowners reduce monthly payments and simplify financial obligations while maintaining property ownership benefits.
Personal Loans
Flexible personal loans available for borrowers without sufficient home equity. Our network offers competitive rates for various credit profiles, ideal for emergency expenses, vehicle purchases, or credit-building opportunities without property collateral requirements.
Cash Out Refinance
Replace existing mortgage with new loan exceeding current balance to access equity. Our lenders provide competitive rates for qualified homeowners seeking lower rates while unlocking cash for home improvements, investments, or major life expenses.
Questions
How do I apply for a home equity loan?
Complete our online application to connect with participating lenders who will evaluate your eligibility based on property equity, credit profile, and financial history.
What loan types do you offer?
We facilitate home equity loans, HELOCs, personal loans, debt consolidation loans, cash-out refinances, and investment property financing through our lender network.
Can I qualify with bad credit?
Our lenders consider multiple factors beyond credit scores, including property equity and debt-to-income ratios, making financing accessible for various credit profiles.
Are there any fees for using your service?
We provide no-cost loan quotes with complete transparency - there are no hidden fees or application charges for connecting with our network lenders.
How long does the loan process take?
Processing times vary by lender and loan type, typically ranging from 2-6 weeks from application to funding for qualified borrowers.