Unlock Your Home Equity 

It’s extremely simple, you provide us with your scenario, and we analyze and provide you with feedback WITHOUT a formal application or hard-core credit pull. You will understand your financing options, and if those options are aligned with your financial goals.  

A home equity line of credit is attractive because it offers flexibility and lower interest rates compared to credit cards or personal loans. You can borrow as needed, paying interest only on what you use. This makes it ideal for managing ongoing expenses like home renovations. Additionally HELOC’s now offer both fixed and variable rates and the ability to re-borrow funds after repaying a portion of the principal, combining stability with flexibility.  A fixed-interest rate HELOC can provide payment predictability and peace of mind for borrowers. A variable interest rate can change over time and follows the market. Some months your payment could be higher, and some months it could be lower.

Yes, you can. Whether you don't have an existing mortgage or have already paid off your mortgage in full, you can still qualify for a HELOC. We offer both first liens and subordinate (second) liens, allowing you to leverage your home’s equity to access funds for your financial needs.

There are lenders that offer both variable rate and fixed interest rate home equity lines of credit, so you can choose the option that works best for you. A fixed-interest rate HELOC can provide payment predictability and peace of mind for borrowers. A variable interest rate can change over time and follows the market. Some months your payment could be higher, and some months it could be lower.

Fixed-rate HELOCs maintain the same interest rate throughout the loan term, while variable rates adjust based on market conditions. Fixed rates offer payment stability, while variable rates might start lower. Your best choice depends on risk tolerance and rate expectations.

You may be able to deduct interest paid on a home equity product if the loan is used for home improvement. You should consult a tax advisor regarding the deductibility of interest and charges.

A HELOC is backed by the homeowner’s property, which typically results in lower interest rates compared to personal loans. Additionally, HELOCs often provide larger loan amounts and extended repayment terms, which can lead to lower monthly payments.

As a homeowner in 2026, with all the market, industry changes, and factor the ease of ascertaining mortgage and real estate knowledge with technology and AI advancement, your sole reliance on your local bank for all your lending needs is over. Hundreds of lenders in the United States offer interest rates and programs for your unique situation or scenario. ESHL, with 400 loan officers, licensed in thirteen states, has access to 150+ lenders in the United States who are competing on a daily basis for your business. It’s your lifetime investment; you deserve the best rate and program.