Home Loans from Discover

Home loans
that make you smile.

*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 loanCheck rates & terms.

Mortgage Refinance

Refinance your mortgage and unlock cash from your home equity. Check rates & terms.
Loan Amounts
Loan Amounts from
$35,000 to $300,000 
Low fixed Rates
Fixed APRs starting at
       x.xx% APR for first liens and
     x.xx% APR for second liens

Zero Origination Fees
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

Our debt consolidation customers erase an average of $xxx off their monthly payments!1



Monthly Payments

From credit cards & loans totaling $xx,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

$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

Discover Home Loans was easy to work with. Their website was well designed and led me through the application process with very little help from their personnel. ...

Robert C., AZ, 3/12/2024

...The requests for information were consolidated and the Discover Home Loans site made it easy to update necessary documentation and answer questions throughout the process in a timely manner. Everyone I spoke with was helpful and a pleasure to work with.

Katelynn C., SC, 3/21/2024

Good rates. Easy process with practically everything available online. Great communication throughout the process as well.

Zachary R., UT, 3/27/2024

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


Benefits of a home equity loan or mortgage refinance from Discover include low fixed interest rates and $0 application fees, $0 origination fees, $0 appraisal fees, and $0 costs due at closing. Since a home equity loan or refinance is a debt secured using your home as collateral, the average interest rate is typically lower than what you may pay on a credit card or other form of unsecured debt. You will be able to check the status of your application or funded loan 24/7 on our secure website, and you will have access to our 100% U.S. based customer service agents.


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.


Start your application online or give us a call.

  • Weekdays 8am–Midnight ET
  • Weekends 10am–6pm ET