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Homeowners, we're here for you.
Home Equity Line - get the cash you need from home, funding in as few as 5 days3 navigates to the related disclosure
Mortgage Refinance - lower your interest rate and cash-out if you need it4 navigates to the related disclosure
Access the cash you need from home in days not months
Apply online in minutes with our 100% digital application
Pre-qualification does not affect your credit score.5 navigates to the related disclosure
Save time and money with Figure
Other banks and lenders have changed how they lend, but Figure is still here for you with two ways to access cash using your equity. See your rate or click “Learn more” to compare products.
Home Equity Line
Get approved in 5 minutes, and funding in 5 days.3 navigates to the related disclosure Rates starting at 3.49% APR.1 navigates to the related disclosure
Cash-Out Refinance
No need to wait for traditional banks and lenders. Access up to $500,000 while refinancing.
Personal Loan Alternative
A HELOC is a great alternative for homeowners.6 navigates to the related disclosure Get up to $150,000 in 5 days.3 navigates to the related disclosure
Home Equity Line advertised rate of 3.49% includes a 0.75% discount for opting into a Quorum Membership (0.50%) and enrolling in autopay (0.25%). This rate also includes payment of an origination fee of 4.99%, for those who qualify.
Need to pay off high-interest debt or make home renovations this summer? We’re giving one lucky winner $25k to pay for their past, present or future. Each entry gives you a chance at the $25,000 grand prize and enters you for a daily $100 gift card drawing.
NO PURCHASE NECESSARY. VOID WHERE PROHIBITED. Open to legal residents of the U.S., excluding Florida, New York, or any of the U.S. Territories. Must be 18 years or older to enter. Only one entry per day permitted. Sweepstakes begin on 6/25/20 and end on 7/19/20. Visit Figure.com/blog/sweeps Opens a new window. for more information and Official Rules.
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©2020 Figure Technologies, Inc
650 California Street, Suite 2700 San Francisco, CA 94108
Figure Lending LLC 100 West Liberty Street, Suite 600 Reno, NV 89501
General Customer Support:
888-819-6388Mortgage Refinance Support:
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Figure Home Equity Line is available in AL, AR, AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SD, TN, VA, WA, WI, WY with more states to come.
Figure Mortgage Refinance is available in AK, AL, AZ, CA, DE, FL, GA, IA, ID, IN, KS, KY, LA, MA, MI, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, PA, SD, TN, WA, WI, WV with more states to come.
Equal Housing Opportunity
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
† The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
1 For the Figure Home Equity Line, APRs start at 3.49% for the most qualified applicants and are higher for other applicants. For example, for a borrower with a CLTV of 45% and a credit score of 800, a five-year Figure Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 3.49% and a 4.99% origination fee. The total loan amount would be $52,495. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term, and occupancy status. The advertised rate of 3.49% includes a combined discount of 0.75% for opting into a Quorum Membership (0.50%) and enrolling in autopay (0.25%). APRs start at 4.24% for customers that do not opt in to autopay or apply to become a Quorum member. APRs for home equity lines of credit do not include costs other than interest. Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.
2 Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
3 Home values and price appreciation or depreciation are third-party estimates based on publicly available data and automated valuation models and do not constitute an appraisal of the subject property.
4 Our loan amounts range from a minimum of $15,000 to a maximum of $150,000. For properties located in WI, the minimum loan amount is $25,001. Your maximum loan amount may be lower than $150,000, and will ultimately depend on your home value and equity at the time of application. We determine home value and resulting equity through independent data sources and automated valuation models.
5 You should consult a tax advisor regarding the deductibility of interest and charges to your Figure Home Equity Line.
6 Average personal loan rates on ValuePenguin Opens a new window., Average credit card rates on ValuePenguin Opens a new window., Average Home Equity rates on Bankrate Opens a new window.
* State and city home valuation appreciation rates are based on Zillow home value estimates (https://www.zillow.com/home-values/ Opens a new window.),https://www.zillow.com/san-jose-ca/home-values/ Opens a new window.)