Homeownership gives you financial options. Figure unlocks them.

Make the most of your home equity. Whether you want to take out cash, lower your rate, or both - Figure can help meet your needs. See which option is right for you.

Pre-qualification does not affect your credit score.6  navigates to disclosure 6

Home Equity Line

Figure’s Home Equity Line is the fastest HELOC on the planet. Tap the equity you’ve built in your home in less time than you’d imagine.

Home Equity Line

Figure’s Home Equity Line is the fastest HELOC on the planet. Tap the equity you’ve built in your home in less time than you’d imagine.

  • Apply online in 5 minutes and receive funding in 5 days2  navigates to disclosure 2

    Our all-digital application process takes the hassle out of a traditionally lengthy process.

  • Lower your interest rate

    Rates as low as 3.00% APR including a 0.50% discount for opting into a Credit Union Membership (0.25%) and enrolling in autopay (0.25%).1  navigates to disclosure 1

  • Borrow up to $150,000 quickly4  navigates to disclosure 4

    No fees for credit report, use the equity in your home to access funds quickly and without all the paperwork, or maintenance.

Mortgage Refinance

Figure’s Home Equity Line is the fastest HELOC on the planet. Tap the equity you’ve built in your home in less time than you’d imagine.

Mortgage Refinance

Figure’s Mortgage Refinance enables you to refinance at a low fixed rate, with the option to pull cash out. All using the equity built in your home.

  • Apply 100% online

    Our paperless application process is faster and easier than traditional lenders.

  • Lock in a lower rate today5  navigates to disclosure 5

    Take advantage of historically low rates. See if you can lower your rate by refinancing.

  • Get access to cash

    The money you need to pay off high-interest debt or finish a home renovation is at your fingertips.

Why we're different from other lenders

All-digital app, no hassle

Fast application & funding

Dedicated support team

See what our members are saying

Don’t just take our word for it—read what our members have been saying about their experience with Figure.