Home Equity Line of Credit
Tap Equity
Flexible Draw
- Revolving line; pay interest only on what you use.
- Great for projects, consolidation, or emergencies.
Loan Options
From first-time purchases to tapping equity or financing renovations, we tailor your loan to your goals—with clear guidance and timely updates from our Methuen, MA team.
Featured Programs
Cash2Keys
Stronger Offer
- Present a cash-like offer in competitive markets.
- Up-front review for speed and certainty.
RateRelief™
Refi-ready
- Buy now; be prepared to refi if/when rates improve.
- Simplified process when the time is right.
Renovation Loans
Buy + Improve
- Finance purchase and improvements in one loan.
- Draws/inspections keep projects on track.
Conventional / FHA
- Competitive terms and flexible down payments.
- Great for first-time buyers and beyond.
VA / USDA
- Benefits for eligible veterans.
- Options for qualifying rural areas.
Compare Programs
| Program | Best for | Rate type | Key consideration |
|---|---|---|---|
| HELOC | Projects / flexibility | Variable | Interest only on amount drawn |
| Cash2Keys | Competitive offers | Varies | Stronger offer presentation |
| RateRelief™ | Refi-ready strategy | Varies | Refi depends on market & eligibility |
| Renovation | Buy + improve / refi + improve | Fixed or variable | Draws, inspections, contractor bids |
Why Home Lending Group
Local & responsive
Methuen, MA team with clear updates.
Fast pre-approvals
Know where you stand quickly.
Guidance end-to-end
From application to closing (and beyond).
FAQs
How do I choose the right program?
We start with your goals (payment, timeline, down payment, equity) and present clear scenarios—then help you compare tradeoffs.
How quickly can I get pre-approved?
Often the same day once we have your application and docs. We’ll outline next steps right away.
Can I switch programs later?
Yes—if a better fit appears during the process, we’ll guide you through changing options without losing momentum.