Borrow with a HELOC or a lump-sum home equity loan. We shop multiple lenders to get you low rates.
Two ways to tap your equity, shopped across lenders. We broker your loan or fund it ourselves.
A HELOC works like a revolving credit line.
Home equity loans pay out all at once.
We price your line across multiple lenders.
One team from quote to close, no handoffs.
Our straightforward process brings fast quotes, a simple online experience, easy e-signs, and expert advice every step of the way.
Get started online or on the phone in minutes. We check your available equity up front.
We compare HELOC and lump-sum options side by side, with real payment numbers for each.
Upload docs, e-sign securely, and get your approval fast. We handle the valuation step for you.
Review and sign your closing documents. Then draw on your line, or take your lump sum.
Pick the officer you click with — every Agave LO is dedicated to your file from quote to close.
Jena is a skilled Presidents Club Mortgage Loan Originator with more than 3+ years of experience, offering personalized service for both purchase and refinance mortgages.
Greyson has a proven track record of securing favorable rates and terms for his clients with 2+ years of experience.
Hanna and Agave Home Loans will guide you through the home buying or refinance process with ease and transparency with 8+ years of experience.
Talk to a home equity specialist today. No hard credit pull, no obligation.
I needed a HELOC to pay off a higher interest personal loan and do home renovations. I tried some big lenders, but their rates and loans were not customizable enough. Agave made the process smooth from day one to closing.
The process from start to finish establishing a HELOC could not have gone smoother. Very prompt and professional responses from the two gentlemen I worked with, Devon and Adrian.
Anthony was wonderful to work with! He helped us get a HELOC and made the whole process smooth and simple. He was always available to answer questions and he's personable and genuine. He took the time to share valuable advice about budgeting and paying down debt. We really appreciate his guidance and highly recommend.
Quick answers about HELOCs, home equity loans, and how Agave compares.
We provide the options, you make the choice. Our home loans are backed by expert guidance, competitive rates, and complete transparency.
Modern tools and a streamlined process help you close quickly without the confusion or extra costs.
Both let you borrow against the equity you have built in your home, but they hand you the money differently. A HELOC is a revolving credit line that works more like a credit card: you draw what you need during a draw period, repay it, and can draw again. A home equity loan pays out a single lump sum with a set repayment schedule. HELOCs usually carry variable rates, while home equity loans usually carry fixed rates. That makes a HELOC a better fit for ongoing or unpredictable costs, and a home equity loan a better fit when you know the exact amount you need.
A HELOC has two phases. During the draw period, which typically runs three to ten years, you can withdraw funds as you need them and generally make smaller or interest-only payments. When the draw period ends, the line enters the repayment period and you pay down what you borrowed on a set schedule. Most HELOCs allow you to repay early without a penalty, though terms vary by lender. A HELOC also appears on your credit report and affects your utilization and payment history, the same as any other credit line.
It depends on how much equity you have, your credit profile, and the combined loan-to-value limit the lender sets. Unlike FHA or conforming loans, home equity products have no government-set maximum — the limits are set by individual lenders, which is one reason it pays to compare several rather than taking the first offer. We will look at your home's value, your current mortgage balance, and your credit, then show you what different lenders will actually extend. Agave Home Loans is one of the few lenders that can go up to 90% loan-to-value (LTV) with strong credit on both a home equity loan and a HELOC. Most home equity loan products require a 680+ credit score while Agave is one of the few lenders that can offer a HELOC on an owner-occupied home with as low as 620 credit (compensating factors still apply). Agave also offers HELOCs and home equity loans on investment and second homes as well with higher minimum credit scores.
HELOC rates are usually variable and tied to the Prime Rate, with a margin added on top based on your credit profile, your combined loan-to-value, and the size of the line. When Prime moves, your rate moves with it. That is different from a home equity loan, which typically carries a fixed rate for the life of the loan. Because the margin is set by each lender rather than by a government program, the same borrower can be quoted meaningfully different rates — which is the case for comparing more than one.
Getting your initial options from Agave doesn't require a hard credit inquiry. Our quick quote asks you to estimate your own credit range, or we can run a soft pull. You get to see where you stand before any true credit inquiry. If you decide to move forward with a full application, we'll ask your permission first and explain exactly what happens next.
A licensed Agave loan officer reviews your information and reaches out to talk through your options, usually within minutes. You'll get real numbers to look at, an explanation of the tradeoffs, and a straight answer about whether a HELOC or a home equity loan is the right fit for what you are trying to do. There's no obligation to move forward, and we don't sell your information or share it with other companies to market to you. Agave Home Loans offers a special HELOC product that can sometimes fund within 5 days of the initial application.
Disclaimer: By refinancing your existing loan, your total finance charges may be higher over the life of the loan. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting, and program guidelines. Not all applicants will qualify. Rates, fees, terms, and programs are subject to change without notice and may vary based on credit history, loan-to-value (LTV), property type, occupancy, loan amount, loan purpose, and other factors. Any rates, payments, or savings examples shown are for illustrative purposes only, are based on assumptions that may not apply to your situation, and are not a quote or guarantee of available terms. Your actual rate and payment will depend on your individual circumstances. Maximum LTV varies by loan program, property type, and occupancy, and stated LTV limits may not be available for all borrowers or programs. Additional restrictions, conditions, and requirements may apply. Contact us for a personalized quote.
Agave Home Loans offers low, competitive rates on a full range of mortgage products, including VA, FHA, conventional, jumbo, cash-out, HELOC, home equity, and more. Based out of Phoenix, Arizona, we help homeowners and homebuyers nationally to refinance, access home equity, and purchase. Our team is committed to an easy and online home loan experience at every milestone.
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