Tap Into Your Home’s Equity With Confidence.

Fast, flexible funding for major expenses and life goals.

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Access the Value You’ve Built

Our Home Equity Loans help homeowners unlock funds for renovations, debt consolidation, emergencies, financial opportunities, or any purpose of your choosing. Our requirements and underwriting are flexible - we make accessing your equity simple.

All Credit OK!
No Minimum Credit Score
No Application Fee

Common Uses

Home improvements
Paying down high-interest debt
Catching up on taxes
Emergency expenses
Business or investment capital
Down payment on another property

Why Borrowers Choose SWE

35+ Years of Lending Experience
All Credit OK
We Are A Direct Lender
We Do Not Act As A Broker Or Finder
Flexible Qualifications
Fast Approvals + Smooth Closings

Loan Highlights

Terms: 10–30 years
Max LTV: 60%
Eligible Properties: Owner-occupied SFR, townhomes, condos, 2–4 units, rural homesteads, manufactured homes meeting Texas requirements (you must own land)

Simple 6-Step Process

1 Consultation
2 Inspection & documents
3 Approval
4 12-day disclosure period (Texas law)
5 Closing
6 3-day right to cancel + funding

Documents Needed

ID
Income verification
Mortgage statement
Insurance details
Property tax info

Out of Pocket Expenses

Appraisal (if required)
Homeowner counseling course ($150)
Third-party closing costs (may be deducted from proceeds)
2% Lender Fee (may be deducted from proceeds)

Success Story

A father and son came to SWE Lending after spending almost two years being denied by traditional lenders due to credit challenges. Together, they had built substantial equity in their home and wanted to use it to start their own business. By evaluating the full picture instead of focusing solely on credit, we structured a Home Equity Loan that worked for them. They finally accessed the funds needed to launch their business and take the next step in building their future.

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Frequently Asked Questions

What is a Home Equity Loan?

A home equity loan lets you borrow money using the value you’ve built in your home.

Think of it this way:
• Your home has a market value (what it’s worth today)
• You may still owe money on your mortgage or property taxes
• The difference between those two is your equity

Example:
If your home is worth $250,000 and you owe $100,000, you may have $150,000 in equity.
A home equity loan allows you to turn a portion of that equity into cash.

What makes a Home Equity Loan an attractive option?

A home equity loan can be a great option because it allows you to access cash without selling your home.

At SWE Lending, we make the process simple and flexible:
• No minimum credit score required – ALL Credit OK.
• Fast approvals and closings
• Fixed interest rates
• Use your funds for almost anything

It is a practical solution for homeowners who have equity and need access to cash quickly.

How much can I borrow?

The amount you can borrow depends on how much equity you have in your home.

At SWE Lending, we typically lend up to 60% of your home’s value. This is called your Loan-to-Value (LTV).

We look at your home’s current value and calculate up to 60% of that amount. If you already have a mortgage, property taxes owed, or other liens, those are included in that total.
The remaining amount may be available to you as cash.

Simple example:
• Home value: $200,000
• 60% of value: $120,000
• Existing loan balance: $80,000

You could receive up to $40,000

We understand that no two borrowers are the same. Every loan is reviewed based on your equity, your needs, and your ability to repay.

Is the interest rate fixed or variable?

Are there fees required upfront?

Is there a fee to start the process or apply?

Is there a minimum credit score?

How long does it take to get a Home Equity Loan?

Can I get cash out if I already have a mortgage?

Yes, you may still be able to access cash even if you already have a mortgage.

We include your existing mortgage balance when calculating how much you can borrow. As long as you have enough equity in your home, you may qualify for additional funds.

Example:
• Home value: $200,000
• Maximum loan (60%): $120,000
• Existing mortgage: $80,000

You could receive up to $40,000 in cash

Every situation is different, so we will review your property, your current loan, and your goals to determine what options are available to you.

How long are the loan terms?

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Is there a prepayment penalty?

What documents are required?

We typically request the following:
• Valid identification and Social Security Number or ITIN
• 1 month of pay stubs (if employed) or 12 months of bank statements (if self-employed)
• 2 years of tax returns and W2s or 1099s (if filed)
• A recent utility bill

If applicable for business owners:
• Operating agreement
• Certificate of formation
• Certificate of filing
• EIN letter

If you do not have all of these documents, let us know. We can work with you to find acceptable alternatives.

What is the difference between a Homestead and an Investment Property?

Is approval based only on credit?

What causes delays or declines?

Does the time of year affect when I should apply?

No. As a Private Direct Lender, we assist homeowners year-round. While there’s never a “wrong” time to apply, borrowers often use home equity for different needs throughout the year, such as:
• Early in the year to catch up on property taxes
• Spring or summer for home renovations or improvements
• Toward the end of the year for debt consolidation or business planning
We help homeowners access their equity whenever the need arises. Your home’s equity is one of your most valuable resources, and we’re here to help you use it confidently and responsibly