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    Managing Debt

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    Thinking of tapping into your home equity or refinancing your mortgage? Wondering which option is right for you? Here are some top tips and valuable insights to help you on your home financing journey.
    • Family celebrating great HELOC rates with a toast.

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      How to get the best HELOC rates

      Understanding the factors that decide the best and average HELOC rates may help you get a better deal on your home equity loan product.

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    Fixed rates starting at x.xx% APR for first liens and x.xx% APR for second liens

    The APR will be between x.xx% APR and x.xx% APR for first liens and x.xx% APR and x.xx% APR for second liens based on loan amount and a review of credit-worthiness, including income and property information, at the time of application.

    The lowest APRs are available to borrowers requesting at least $xx,xxx for second liens or $xxx,xxx for first liens, with the best credit and other factors.


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      HELOC credit score requirements

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      How to qualify for a home equity loan

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      Managing Debt

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      How do home equity loans work: Rates, terms and repayment

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      Home construction loans: How to get a loan to build a house

    • Couple looking to purchase a home discussing the difference between mortgage prequalification and mortgage preapproval

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    Discover Home Loans Restrictions and Details

    We do not lend in IA or MD. You are not guaranteed approval. Once you apply and submit your credit and property information, we will confirm your eligibility. We don’t lend on cooperatives, condotels, investment properties, log homes, manufactured homes, mobile homes, or secondary homes. We will only originate one 1st lien mortgage per property per 12-month period. The maximum loan amount you qualify for will depend on additional factors, including type of loan, lien position, loan-to-value and your credit history. We may change rates, program terms, and conditions without notice. Discover Card accounts may not be paid off with this home loan. All loan programs are offered by Discover Bank, 2500 Lake Cook Road, Riverwoods, IL 60015. NMLS ID 684042.

     

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    For example, if you borrowed $60,000 for a 20 year term at 8.86% APR, your fixed monthly payments would be $534.45.

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    Enter the total amount of all existing home loan balances on your primary residence (e.g. primary mortgage, home equity loan(s), home equity line(s) of credit, etc.). Round value to the nearest dollar amount. 

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