Smaller brand footprint; less consumer recognition than bank-backed lenders
Origination fees may apply — confirm at springeq.com before signing
Spring EQ Home Equity Loan requirements
Credit score: 680+ FICO typical for competitive rates at 90% CLTV
Max CLTV: Up to 90% combined loan-to-value per Spring EQ disclosure
Property type: Primary residence in most states
Primary residence in most states
680+ FICO typical for competitive rates at 90% CLTV
Sufficient equity for 90% CLTV after existing mortgage balance
Spring EQ Home Equity Loan rates & fees
Spring EQ's fixed APR starts from approximately 9.00%, varying by credit, LTV, and loan amount per Spring EQ disclosure. Loan amounts range from $25,000 to $500,000 with up to 90% CLTV. Origination fees may apply — confirm all fees at springeq.com before signing.
Spring EQ Home Equity Loan — Home equity specialist — up to 90% CLTV for borrowers with limited equity. Best for: Homeowners with 10–20% equity who are priced out of lenders capping at 80% CLTV.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
Questions about Spring EQ Home Equity Loan
How does Spring EQ underwrite at 90% CLTV when most lenders stop at 80%?
Spring EQ prices the higher LTV risk into the APR rather than declining the application. At 90% CLTV, the lender has less equity cushion in a property value decline scenario, so the rate is higher than comparable 80% CLTV loans. Borrowers at 85–90% CLTV should compare the total interest cost at Spring EQ's higher rate against the cost of waiting to accumulate more equity before borrowing at a lower rate. Source: Spring EQ product disclosures at springeq.com.
Is ClearValue Lending affiliated with Spring EQ?
No. This is an independent editorial review. ClearValue Lending is not affiliated with Spring EQ, LLC. All loan terms, fees, and eligibility are determined by Spring EQ. Verify current APRs, fees, and terms at springeq.com before applying.
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