


Your Loan Options in Minutes
Apply online or over phone, fast and easy. Loan options from $35,000 to $200,000.

Low Fixed Rates. Zero Origination Fees.
Fixed rates starting at 3.99% APR. Plus, zero application and appraisal fees.

Help on hand 7 Days a Week
Get your own personal banker and a loan team dedicated to processing your application.
Rates, Terms & Fees
Feel secure with the same fixed rate and payment each month.
Interest Rates
|
Fixed interest rates from 3.99% - 11.99% APR |
Loan Amounts |
$35,000-$200,000 |
Payments |
Fixed Monthly Payments |
Terms |
10, 15, 20 & 30 Years |
Application Fees |
$0 |
Origination Fees |
$0 |
Appraisal Fees |
$0 |
Cash Required at Closing |
$0 |
Discover Home Loans pays all closing costs incurred during the loan process, so that you don’t have to bring any cash to your loan closing.
In the event that you decide to pay off your loan balance in full within 36 months after your loan closes, you will be required to reimburse Discover for some of the closing costs that we are paying on your behalf, not to exceed $500.00.
Reimbursable closing costs will include all title fees, recording fees, and mortgage/transfer taxes. If you reside in Connecticut, Minnesota, New York, North Carolina, Oklahoma, or Texas you are not required to reimburse the closing costs.
Use our calculators & see what you think
See how much you could borrow
Pay off debt & check your savings
Check your fixed rate & payment
Turn your home equity into cash
Here's what our customers are saying
Here's what our customers are saying

“Can't say enough about how professional the staff was. I would recommend Discover to anyone if everyone was treated like my loan was.”
Joseph L, 01/28/20

“The process was also extremely fast and they made sure that everything was done and complete. The rates were better than other places that we had looked.“
Shane B, 02/04/20

“Always ready to answer all questions or concerns. Always make the customer feel important. Glad I chose Discover to make our financial needs possible.“
Robert M, 03/26/20
One loan for multiple goals.
- Consolidate Your Debts
- Improve Your Home
- Refinance Your Mortgage
- Pay for Major Expenses
Our debt consolidation customers save an average of $596 on their monthly payments!
Important Information
BEFORE
$953
Monthly Payments
From credit cards & loans totaling $44,374
AFTER
Savings of $596 per month. That's $7,160 per year!
Find your low,
fixed rate
Use our Rate Calculator to find the rate and monthly payment that fits your budget.
Make it the home of your dreams.
Make Big Upgrades
$35,000 - $200,000 is enough money to renovate or expand your living space.
Save With Low, Fixed Rates
Get a low monthly payment and zero origination fees or cash required at closing.
Get a Potential Tax Deduction
Potentially deduct up to 100% of your interest on taxes when you improve your home (consult your tax advisor).
Did you know?
The home equity you’ve earned can be used in a multitude of ways.
Get a better mortgage now and for the future.
We Have Your Needs Covered
We can refinance your original mortgage, a HELOC, or an old home equity loan.
Get a Low Rate or Longer Term
Put yourself back in control of a better financial situation with a mortgage reset.
Get the Cash You Need
Refinance and cash out your home equity with zero origination fees.
Get your rate
in minutes
$0 Application Fees.
$0 Origination Fees.
$0 Cash Required at Closing.
Imagine what your home equity could provide.
Get Cash to Meet Your Needs
Pay the tuition of a loved one. Make a major purchase. Have the perfect wedding.
Healthcare Bills Covered
Use your equity to relieve some financial stress so you can focus on your health.
Feel Secure About Your Rate
The low, fixed rate and payment you’ll get from Discover won’t ever change.
Did you know?
The home equity you’ve earned can be used in a multitude of ways.
Frequently Asked Questions
- Main
-
With a home equity line of credit (HELOC), you get the flexibility to withdraw money as you need it up to a predetermined credit limit and repay the loan over a fixed term. Typically HELOCs have a variable interest rate that can increase or decrease over time. Generally, there is a fixed "draw" period, during which you may with draw funds, repay them or a portion of them up to a credit limit, similar to a revolving credit card. During the draw period, many lenders permit you to make interest-only payments. After the draw period ends, you can no longer request funds and are required to repay the outstanding balance over the remaining term of the loan. By contrast, a home equity loan gives you all of your funds upfront in a lump sum and usually comes with a fixed interest rate and monthly payment that never change for the life of the loan. Discover offers home equity loans and mortgage refinances instead of HELOCs.
- Main
-
With Discover, you will not have to pay any application fees, origination fees, or appraisal fees. Since a home equity loan or mortgage refinance is a secured debt, the average interest rate is typically lower than what you'll pay on an average credit card or other form of unsecured debt.
Your Guide to Home Lending
Learn more about product options, using your equity wisely, and the home equity market.
- Main
-
Start your application online
or give us a call.
- Main
-
Start your application online or give us a call.