
*Based on total dollar amount and number of loans for closed-end second mortgages, according to 2022 data available at the FFIEC Home Mortgage Disclosure Act website.
Home Equity Loan
Tap into your home equity with a low fixed rate loan. Check rates & terms.
Mortgage Refinance
Refinance your mortgage and unlock cash from your home equity. Check rates & terms.
Loan Amounts from
$35,000 to $300,000
Zero Origination Fees
Zero Appraisal Fees
Zero Costs Due at Closing
Run the numbers to see your options
See how much you could borrow
Pay off debt & check your savings
Check your fixed rate & payment
Turn your home equity into cash
Achieve your goals with a low fixed rate loan
- Consolidate Your Debts
- Improve Your Home
- Refinance Your Mortgage
- Pay for Major Expenses
Our debt consolidation customers erase an average of $xxx off their monthly payments!1
BEFORE
$x,xxx1
Monthly Payments
From credit cards & loans totaling $xx,xxx
AFTER
$xxx
Fixed Monthly Payments
30 yr. term $xx,xxx at x.xx% APR2
(excludes taxes & insurance)
Savings of $xxx per month. That's $xx,xxx for the year!1
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 - $300,000 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.
Did you know?
The home equity you’ve earned can be used in a multitude of ways.
Refinance and cash out with a new rate and term.
We Have Your Needs Covered
We can refinance your original mortgage, a HELOC, or an old home equity loan.
Get a New Rate And Term
Put yourself back in control of a better financial situation. 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. Have the perfect wedding. Cover any healthcare bills.
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.
Here's what customers say about Discover Home Loans

"Quick. Easy. Great communication. I felt that I was listened to and felt appreciated for choosing Discover."
Mark G., CT, 7/19/2023

"Feeling very happy 😊 with my loan. I now can achieve the things in life I couldn't ever imagine."
Deanna M., TX, 7/20/2023

“Straightforward process and clear communication. Unlike a different financial institution, they didn't materially change terms weeks after being approved. Just wish I went with Discover Home loans first and saved myself that aggravation!"
Alexander A., SC, 7/26/2023
Applying is simple from start to finish

Getting the Basics
Around 1-2 Weeks
Apply online or over the phone to review your loan options, then upload required documents. We’ll confirm your initial eligibility.

Processing Your Info
Around 4 Weeks
We’ll gather third-party information about your home and then send your complete application to underwriting for a final decision.

Closing Your Loan
Around 1-2 Weeks
We’ll contact you to schedule your closing and then arrange for your loan funds to be sent to your accounts.
Frequently Asked Questions
- Main
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Yes. You can submit your documents online using our secure website: Homeloans.discover.com/accountcenter. Submitting documents online will help speed up the processing of your loan requests. From our website, you can also view your loan status, check your To Do List, and more!
Home equity & mortgage tips
Get valuable insights to help you choose the mortgage product that's right for you.
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Start your application online or give us a call.