Tap Into Your Home’s Equity With Confidence.

Fast, flexible funding for major expenses and life goals.

A man holds a child in front of a house, smiling as they enjoy a moment together outdoors

Access the Value You’ve Built

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

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 expertise
  • All Credit OK
  • 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

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.

Frequently Asked Questions

Home Equity Loan Pre-Approval Application