This is not a commitment to lend; you must submit additional information for review. Credit and collateral subject to approval. This offer is not valid on condotels, manufactured homes, or mobile homes. Other restrictions and limitations apply. For more information, call our toll-free number 1-855-361-3435.
Terms subject to change: All loans are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all loan amounts.
All loan programs are offered by Discover Bank, a subsidiary of Discover Financial Services 2500 Lake Cook Road, Riverwoods, IL 60015. All loans will be secured by a lien against your property. Not all applicants will be approved. Terms and Conditions apply. Loans are not available in IA, MD, NY, and TX.
Your online security is our highest priority. That's why we adhere to industry best practices and employ the latest technology to guard your privacy at all times. Here are some of the ways we protect you:
128-bit SSL Technology
We use 128-bit Secure Socket Layer (SSL) to encrypt, or scramble, your personal information being sent over the internet. This technology is the highest standard available, and makes it virtually impossible for someone else to access your information. To take advantage of SSL, we recommend you use an SSL-compatible browser.
A firewall is a filter used to determine whether information is allowed to travel from one network to another. Discover.com uses multiple layers of firewalls to block critical areas of our network from prying eyes.
Intrusion detection devices installed throughout the site provide real-time alerts about system changes or attacks. They are monitored on a continual basis to ensure Account protection 24 hours a day, 7 days a week.
Discover Home Equity Loans may choose to electronically deliver information related to its services and your requests. Through submission of your loan request, you expressly consent to receive communications from Discover Home Equity Loans ("Communications") in connection with your loan request in electronic form. You can choose to withdraw your consent to receive Communications in electronic form at any time as described below. Communications may transmit or convey information about the status of your loan request as well as other information. You agree to receive all current and future Communications and to do business electronically with Discover Home Equity Loans. This means that Discover Home Equity Loans may communicate with you by sending a message to the email address you provided. You agree that you meet the below hardware and software requirements and are able to access and retain copies of Communications made available electronically.
Before you decide to do business electronically with Discover Home Equity Loans, you should consider whether you have the required hardware and software capabilities described below. While you may be able to access and retain the Communications using other hardware and software, your personal computer needs to support the following requirements: Access to the Internet and an Internet browser which supports 128-bit SSL encryption, such as:
Microsoft Internet Explorer 7 and higher
Firefox 3 and higher
Most Communications are provided in either HTML and/or PDF format. For Communications provided in PDF format, Adobe Acrobat Reader 7.0 or later version is required. A free copy of Adobe Acrobat Reader may be obtained from the Adobe website at www.adobe.com. Communications are provided by email. You are responsible for providing us with a valid e-mail address to accept delivery of Communications. To print or download Communications you must have a printer connected to your computer or sufficient hard-drive space (approximately 1 MB) to store the Communications.
You may withdraw your consent to do business electronically in connection with your Discover Home Equity Loans loan request at no cost to you. If you choose to withdraw your consent in connection with your loan request, you can receive future Communications in paper form, by U.S. mail at no charge to you by contacting 1-855-361-3435. If you decide to withdraw your consent, the legal validity and enforceability of electronic Communications previously provided to you will not be affected.
You should keep us informed of any change in your email or U.S. postal mailing address. You may contact Discover Home Equity Loans by telephone at 1-855-361-3435 regarding any such changes.
Discover Home Equity Loans offers loan origination services for borrowers and is generally compensated for such services by the borrower. You should rely on your own judgment in deciding which available loan product and terms best suits your needs and financial means. You understand that Discover Home Equity Loans may keep your loan request information and any other information provided by you in the processing of your loan request, whether or not you are qualified for a loan or if you obtain a loan with Discover Home Equity Loans. You agree to notify Discover Home Equity Loans directly if you no longer want to receive communications. The websites and the services provided by Discover Home Equity Loans are available in connection with mortgage loans made on real property located in the states in which Discover Home Equity Loans is offering loans. Discover Home Equity Loans expressly reserves the right to discontinue, suspend or terminate the offering of any loan product in any specific state through the websites at any time, without prior notice. The data and other information you may provide Discover Home Equity Loans in the loan request is not, and is not treated as, an application for a loan or a request to be pre-approved, pre-qualified or any similar concept. Discover Home Equity Loans does not guarantee acceptance into any particular loan program or specific loan terms or conditions; loan approval standards are established and maintained by us. Likewise, Discover Home Equity Loans does not guarantee that the loan terms or rates offered are the best terms or lowest rates available in the market. A loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided may be higher or lower depending on your complete credit profile, collateral/property considerations including but not limited to location, equity and value and income/asset consideration including but not limited to loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a loan offer, loan commitment or interest rate lock-in agreement. Discover Home Equity Loans may not offer all products as well as not offer products in all states. To help the government fight identity theft, the funding of terrorism and money laundering activities, Discover Home Equity Loans will obtain, verify and record information that identifies each person who opens an account with Discover Home Equity Loans. Discover Home Equity Loans may ask for your name, Social Security Number, address, date of birth and other important information that will allow them to properly identify you. During the application process, Discover Home Equity Loans may also ask to see your driver's license or other identifying documentation. How Discover Home Equity Loans May Contact You: By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission ("submission") you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a lending product through Discover Home Equity Loans. Through submission of your loan request, you are extending an express invitation to Discover Home Equity Loans to contact you by telephone at the numbers you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call (or similar) list, or by email at the email address you provided or at another address that may be associated with you and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. Further, through submission of your loan request, you are extending an express invitation to Discover Home Equity Loans to contact you about your loan request, including using any contact information or cell phone numbers you provide, and you consent to the use of any automatic telephone diali ng system when contacting you, even if you are charged for the call under your phone plan. By saving your information with Discover Home Equity Loans or by completing a submission of the loan request, you give Discover Home Equity Loans permission to retain all such provided information and to make live calls to discuss, provide or remind you of any information in regards to your submission, including incomplete loan requests, deadlines, quality of services or other matters in connection with your loan request. For any service, you represent that all of the information you have provided in your submission and loan request is true and complete. You also authorize Discover Home Equity Loans to request from one or multiple credit bureaus / reporting agencies, your credit bureau report including any ancillary credit scores or ratings and to check your credit and employment history.