- Home
- Apply Now
- My Reviews
- Renovation Products
- Alternative Income Loans
- Down Payment Assistance
- Manufactured Home Loans
- Average Mortgage Rates
- Credit Trigger leads
- Homebuyer Guide for 2025
- Home Equity Loan
- Bridge loans
- Home Buyer Guide
- Houses for Heros
- Disaster Relief
- USDA Home Loans
- VA Home Loans
- FHA Home Loans
- Construction loans
- Investment Loans
Your Home Equity Options
Easy Home Equity Loans
A Home Equity Loan, or a Home Equity fixloan also known as a second mortgage, is a type of loan used to finance the purchase of a home for real estate or used as a standalone mortgage behind a first mortgage, mostly for debt consolidation or cash.
Currently offering Home Equity Loans with credit scores down to 640.
GUILD MORTGAGE -HELOAN - SECOND MORTGAGE
New for 2026 - 5-day funding Second Mortgages.
Guild Mortgage now offers a fixed‑rate second mortgage loan from $35,000 up to 85% of your home’s value, depending on your credit profile. Get pre‑approved in minutes, and close in as little as 5 days—with funds deposited directly into your bank account. No appraisal required.
Credit Requirements
It’s simple — we use a soft credit pull and can qualify borrowers with mid‑scores as low as 640. No recent collections over $500 (medical collections excluded).
Terms of the loan
Choose the term that works for you — from as short as 60 months to as long as 30 years, all with no prepayment penalty.
Consolidate, Down Payment, Cash out
Choose the purpose that fits your needs — consolidate your bills, put a down payment on another home, Home Improvement, or get cash for any reason. The choice is yours.
Interest Rates
That's the good news - when approved, you get to choose the rates and terms. Rates are based on the equity in your home, along with your credit profile.
Apply now -No obligation
With just a few details from you, our system automatically estimates your home’s value, performs a soft credit pull, and shows you what you can be approved for in minutes. -
Flexible Home Financing
Major Highlights
It's Your Equity! What Are Your Options?
It's Your Equity! What Are Your Options?
Consistent Monthly Payments:
Home equity loans often come with fixed interest rates and consistent monthly payments, making it easier for borrowers to budget and plan.
Lower Interest Rates:
Home equity loans typically offer lower interest rates compared to unsecured loans or credit cards since the loan is secured by the value of your home. Now offering fixed rates and adjustable.
*Minus your first mortgage balance.
It's Your Equity! What Are Your Options?
It's Your Equity! What Are Your Options?
It's Your Equity! What Are Your Options?
- Primary Residence up to 90% of the Home Value*
- Second Home up to 85% of the Home Value*
- Investor Occupancy up to 70% of the Home Value*
USE YOUR HOME EQUITY FOR:
Home Improvement
Debt Consolidation
Settling a divorce
Purchase an investment property.
Get Cash!