HELOC & Home Equity Loans – Unlock the Cash in Your Home Without Refinancing

Access your home equity through a HELOC or Home Equity Loan. Flexible funding for renovations, debt consolidation, and big life expenses—without touching your low-rate mortgage. 

Need access to cash but don’t want to refinance your entire mortgage? A HELOC (Home Equity Line of Credit) or Home Equity Loan lets you tap into the value of your home while keeping your current mortgage rate in place. Whether you're upgrading your home, consolidating debt, covering tuition, or investing in your future, these equity-based loan options offer flexible and affordable funding based on the value of your home.

At Zion Investors Mortgage Lending, we help you unlock your equity on your terms—with the right loan, for the right purpose.

• ✅ Flexible credit line—borrow as needed
   
• ✅ Interest-only payments during the draw period
   
• ✅ Reuse the funds again and again
   
• ✅ Ideal for ongoing expenses, renovations, or emergencies
   

• ✅ Lump-sum payout with fixed interest rate
   
• ✅ Predictable monthly payments
   
• ✅ Great for one-time large expenses like debt consolidation or major repairs

You may be eligible if you:

• Own a home with at least 15–20% equity
   
• Have a credit score of 620 or higher
   
• Can show stable income and responsible credit use
   
• Want to borrow between $25,000 and $500,000+
   
• Are using the funds for home improvements, investments, education, or debt payoff
   

💡 Both options are available for primary residences, second homes, and some investment properties.

 HELOC

 Funds Access -   Ongoing line of credit 

 Interest Rate-     Usually variable 

 Payment Flexibility Interest-only during draw period 

 Best For- Ongoing or unpredictable expenses  

 Home Equity Loan 

 Funds Access- Lump-sum payout 

 Interest Rate- Fixed 

 Payment Flexibility Interest-Fixed payments over full term 

 Best For- One-time big expenses (debt, projects) 

Can I keep my current mortgage and still use a HELOC?
Yes! HELOCs and home equity loans are second mortgages—so you keep your existing loan and interest rate intact.

How much can I borrow?
Typically up to 85% of your home’s value, minus your current mortgage balance.

Can I use it to invest in property or pay off debt?
Absolutely! Many homeowners use their equity to grow wealth or reduce high-interest debt.

 Your home is more than where you live—it’s a financial tool you can use wisely. Let Zion Investors help you choose the right equity option and secure the funds you need—without giving up your low mortgage rate. .