Home equity options

Explore a HELOC or a second mortgage

If you’re considering borrowing against your home equity, start by choosing the option you’d like to ask about. We’ll take you to the matching inquiry form.

I’m interested in a HELOC I’m interested in a second mortgage

Choosing an option is just an inquiry; it is not a loan application.

Two ways to explore

Which option would you like to discuss?

Both options use your home as collateral, and availability and terms depend on your circumstances. A loan officer can help explain how each works and what may fit your goals.

Home Equity Line of Credit (HELOC)

A HELOC is a revolving line of credit secured by your home. Depending on the terms, you may be able to draw funds as needed during a draw period. Rates may be variable, and repayment terms vary by lender and product.

Ask about a HELOC

Second mortgage

A second mortgage is a separate loan secured by your home, in addition to your existing mortgage. Loan structure, payment terms, and whether a fixed-rate option is available depend on the product and your qualifications.

Ask about a second mortgage

Choose your inquiry

Start with the option on your mind

Share a few details and Vintage Lending can follow up to discuss your questions. Sending an inquiry does not guarantee approval or an offer of credit.

HELOC inquiry

Tell us about your HELOC questions

Use this form to start a conversation about a home equity line of credit. Product availability and terms are subject to review.

Request a HELOC

Tell us a little about yourself and your property. A lending specialist will follow up to discuss your options.

First Name *

Last Name *

Email *

Phone *

Property Address *

Estimated Property Value *

Current Mortgage Balance

Requested HELOC Amount

How is the property used? *

Anything else you'd like us to know?

Second mortgage inquiry

Let’s discuss a second mortgage

Use this form to ask about a second mortgage. A loan officer can learn more about what you’re looking for and discuss possible next steps.

First name *

Last name *

Email *

Phone *

By checking this box you authorize Vintage Lending to send you text messages. Message frequency may vary. Message/data rates apply. You may opt-out by texting "STOP". For help, text "HELP". See our Privacy Policy for more details.

Question

Enter the code shown above

Please avoid submitting sensitive financial or account information in an inquiry. Any loan is subject to applicable requirements, credit approval, and underwriting.

Still deciding?

You don’t have to choose a product before asking questions. Start with the form that’s closest to what you have in mind, and mention if you’re comparing both options.