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Home Loans from Discover

Home loans
that make you smile.

Low Fixed Rates | Zero Origination Fees | Great Customer Service

Home Equity Loans

Keep your existing mortgage and get the cash  you need. Learn More

Mortgage Refinance

Refinance your existing mortgage and get the cash you need. Learn More
Loan Amounts
Loan Amounts from
$35,000 to $200,000 
Low fixed Rates
Low Fixed Rates
 Starting at 3.99% APR
Zero Origination Fees
Zero Origination Fees
 Zero Appraisal Fees
Zero Cash Due at Closing 

Get Your Loan Options in Minutes

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

Get Your Loan Options in Minutes

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

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


“Everyone from the initial phone call right up to the closing was knowledgeable, efficient, and most importantly kind.”

Jonathan R, 01/28/20

“The communication was great and the ease of access to mortgage documents made the whole experience fantastic.”

Andrea D, 02/22/20

“I will highly recommend you to others…I will be moving all of my banking to Discover in the next few months. Thank you all for everything!!!”

Whende C, 03/20/20

One loan for multiple goals

Our debt consolidation customers save an average of $596 on their monthly payments!

Important Information


Monthly Payments

From credit cards & loans totaling $44,374



Fixed Monthly Payments

30 yr. term $44,374 at 8.99% APR
(excludes taxes & insurance)

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

$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.

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 2-3 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 may include lower interest rates and ZERO charges at closing. Since a home equity loan or 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. With Discover, you will not have to pay any application fees, origination fees, or appraisal fees. Additionally, a home loan with Discover also offers potential tax savings as interest payments may be tax deductible depending on how you use the loan. Consult your tax advisor as to the deductibility of your interest.


Yes. You can submit your documents online in our secure website: DiscoverHomeLoans.com/Login. Submitting documents online will help speed up the processing of your loan request.
Our secure website also lets you view your loan status, check your To Do List to do items, review the status of sent documents, and more!


Everyone's financial situation differs; it is important to recognize what you can comfortably afford to borrow. In general, the loan amount you can afford depends on four factors:

  1. Your debt-to-income ratio, which is your total monthly payments as a percentage of your gross monthly income
  2. The amount of cash you have available for a down payment and closing costs
  3. Your credit history
  4. The value of the property you are purchasing

For a better understanding of how much you can afford to borrow, use Discover’s Affordability Calculator.

Your Guide to Home Lending

Learn more about product options, using your equity wisely, and the home equity market.


Start your application online

or give us a call.

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

Start your application online or give us a call.

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