Apply in 3 minutes. Pay off cards, fund a renovation, or handle anything that needs handling — without touching your low-rate first mortgage.
Get Pre-Qualified →
From application to money in your account — days, not months.
Get your answer right on the screen. No call-back required. See what you're approved for almost instantly.
Built to beat the high-rate trap most homeowners are stuck in.
Know exactly what you'll pay every month. No surprises.
Slide your own rate-and-cost combo before you commit.
Soft credit check only. Won't affect your score.
Automated valuation. Nobody walks through your house.
Sized to your equity. Borrow exactly what you need.
You locked in a 3% mortgage when rates were low. Maybe even something starting with a 2. That mortgage is one of the best financial decisions you'll ever make — and you should never give it up.
But underneath that good decision, something else is happening. Credit card balances are climbing. Cards are charging 22 to 29 percent. The kitchen remodel that cost $40,000 three years ago now costs $80,000. Inflation isn't just hitting the grocery bill — it's squeezing the whole household.
For a long time, the only real answer was a cash-out refinance — which meant trading your 3% mortgage for a 7% one. That math has stopped working for almost everybody. So homeowners just sit there, watching the credit card balances climb, feeling stuck.
There's a home equity loan product available right now that does something almost no Utah homeowner knows about. It sits behind your existing mortgage — so your 3% first mortgage stays exactly where it is, untouched — and it uses AI underwriting plus an automated home valuation to fund the loan in days instead of months.
If you're carrying $40,000 or more in credit card debt at 24 percent, the math on cutting that rate roughly in half — at a fixed payment you can actually plan around — is the kind of move that changes a family's whole financial trajectory.
Soft credit check only. You'll see your line amount and rate options right on the screen lightning fast.
Choose the fee-and-rate combination that works best for you, on a sliding scale. See every number before you commit.
AI underwriting, automated valuation, electronic closing. No appraiser at your door. No banker meetings.
Pay off the credit cards. Fund the renovation. Handle what needs handling.
In 25 years of doing home loans in Utah, I've watched a lot of products come and go. Most are fine. Some are useful for the right customer. A few are genuinely terrible.
Every once in a while — and I mean rarely — a product shows up I'd actually recommend to my own family. This is one of them.
It solves a real problem a lot of Utah homeowners are quietly dealing with: high-rate consumer debt sitting on top of a low-rate mortgage they don't want to refinance. It solves that problem fast, without an appraiser walking through your house, and without giving up the mortgage you locked in when rates were low.
Is it the right answer for everyone? No. If you don't have meaningful equity, or if your debt situation is more complicated than this product can solve, I'll be the first one to tell you. But if your situation fits, this is the cleanest path I've seen in a long time.
A short, plain-English breakdown of how Utah homeowners are using home equity right now to pay off credit cards and fund renovations — without giving up the low-rate mortgage they fought to get.
Three minutes. Soft credit check only. No appraiser, no commitment, no pressure — until you've seen exactly what your rate, payment, and line amount would look like.
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