HELOC Home Equity Program
Tap your home's equity, keep your rate.
A HELOC gives you a flexible line of credit secured by your home — draw what you need and pay interest only on what you use.
Approvals in as little as 24 hours
Lyons Mortgage Services, Inc.
Questions? Call or email us directly.
Home Improvement HELOC
Kitchens, additions, and repairs. Draw only what the project needs, when it needs it.
See My OptionsDebt Consolidation HELOC
Roll high-interest cards and loans into one line secured by your home's equity.
See My OptionsHELOC FAQ
Straight answers.
What is a HELOC?+
A Home Equity Line of Credit is a revolving line secured by your home. You can draw funds as needed during the draw period and pay interest only on what you use.
How much can I borrow?+
Your line is based on your home's value minus your current mortgage balance, along with your credit profile. We'll walk you through your exact number in a free review.
HELOC vs cash-out refinance — what's the difference?+
A cash-out refinance replaces your first mortgage with a new, larger loan. A HELOC leaves your existing mortgage and rate in place and adds a separate flexible line on top.
Are there prepayment penalties?+
No. You can pay down your balance at any time without penalty.
Do you pull my credit for the review?+
No. The free equity review is a soft inquiry only and won't affect your credit score.
Find out what your equity can do.
Request a free review. A real person follows up — usually before the day is out.