Home Equity Loan | Discover Home Loans

<!DOCTYPE HTML> <html lang="en"> <head> <meta charSet="utf-8"/> <meta http-equiv="x-ua-compatible" content="IE=edge,chrome=1"/> <meta name="viewport" content="width=device-width, initial-scale=1, shrink-to-fit=no"/> <link rel="apple-touch-icon" href="/content/dam/dfs/dfs-home-loans/fav-icon/favicon.ico"/> <link rel="apple-touch-icon-precomposed" href="/content/dam/dfs/dfs-home-loans/fav-icon/favicon.ico"/> <link rel="shortcut icon" href="/content/dam/dfs/dfs-home-loans/fav-icon/favicon.ico" type="image/x-icon"/> <link rel="icon" href="/content/dam/dfs/dfs-home-loans/fav-icon/favicon.ico" type="image/x-icon"/> <title>Home Equity Loan | Discover Home Loans</title> <link rel="preload" href="/etc.clientlibs/dfs-core/clientlibs/clientlib-core/resources/font/discoversans/woff2/DiscoverSans-Bold.woff2" as="font" type="font/woff2" crossorigin="anonymous"/> <link rel="preload" href="/etc.clientlibs/dfs-core/clientlibs/clientlib-core/resources/font/discoversans/woff2/DiscoverSans-Semibold.woff2" as="font" type="font/woff2" crossorigin="anonymous"/> <meta name="description" content="A home equity loan lets you borrow cash against the equity in your house. You can use a home equity loan to pay off debts, improve your home, or cover large expenses."/> <link rel="canonical" href="https://www.discover.com/home-loans/home-equity-loan/"/> <script> var apiFlag = "true"; apiFlag = "true"; </script> <link rel="stylesheet" href="/etc.clientlibs/dfs-home-loans/clientlibs/clientlib-base.min.ACSHASH53b2cf598d06db2346ed93753937760c.css" type="text/css"> <link rel="preload" href="https://www.discover.com/content/dam/dfs/dfs-home-loans/images/desktop-tab-mobile/MarchHELBanner-tablet.jpg" as="image" fetchpriority="high"> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "Organization", "name": "Discover Home Loans", "alternateName": "Discover Home Equity Loans", "url": "https://www.discover.com/home-loans/", "logo": "https://www.discover.com/content/experience-fragments/dfs/dfs-home-loans/global/Header_Page_xf_v01/master/_jcr_content/root/dhl_header/image.coreimg.90.940.png/1614199858283/discover-home-loans-logo%403x.png" } </script> <script type='application/ld+json'> { "@context": "http://www.schema.org", "@type": "WebPage", "sourceOrganization":"Discover", "url": "https://www.discover.com/home-loans/home-equity-loan/", "name": "Discover Home Equity Loans", "description": "A home equity loan makes it possible for you to turn the equity in your home into cash in your pocket. This type of loan typically provides access to a lump sum of cash at a low, fixed rate. You pay it back over a set period of time with a fixed monthly payment." } </script> <script type="application/ld+json"> { "@context": "https://schema.org/", "@type": "BreadcrumbList", "itemListElement": [{ "@type": "ListItem", "position": 1, "name": "Discover Financial Services", "item": "https://www.discover.com/" },{ "@type": "ListItem", "position": 2, "name": "Discover Home Loans", "item": "https://www.discover.com/home-loans/" },{ "@type": "ListItem", "position": 3, "name": "Discover Home Equity Loan", "item": "https://www.discover.com/home-loans/home-equity-loan/" }] } </script> <script type="application/ld+json"> { "@context": "https://schema.org", "@type": "FAQPage", "mainEntity": [{ "@type": "Question", "name": "How does a home equity loan work?", "acceptedAnswer": { "@type": "Answer", "text": "A home equity loan is a second mortgage that lets you pull cash from your home equity. Unlike HELOCs, home equity loans come with low, fixed rates and provide a lump sum of cash instead of a variable line of credit." } },{ "@type": "Question", "name": "What is a home equity line of credit (HELOC)?", "acceptedAnswer": { "@type": "Answer", "text": "Please note: Discover Home Loans offers a home equity loan product, but does not offer HELOCs. A home equity line of credit (HELOC) is a type of credit account that lets you borrow money against the value of your home. Because the money you borrow is a secured debt that uses your home as collateral, you can typically obtain a lower interest rate on a HELOC or other home equity loan than you could get for other types of consumer loans." } },{ "@type": "Question", "name": "What is the difference between a home equity loan and a home equity line of credit?", "acceptedAnswer": { "@type": "Answer", "text": "There are many differences between a home equity loan vs HELOC. For example, a home equity loan comes with fixed rates and a lump sum of cash while a HELOC comes with variable rates and a line of credit. Regardless of which you choose, both a home equity loan and HELOC can help finance major projects like home renovations. Discover offers home equity loan and mortgage refinance products, but does not offer HELOCs." } },{ "@type": "Question", "name": "What is a fixed interest rate for home equity loans?", "acceptedAnswer": { "@type": "Answer", "text": "A fixed interest rate on your home equity loan means you will make stable and predictable interest payments towards your loan balance for the life of the loan." } },{ "@type": "Question", "name": "How can you find the right home equity loan for you?", "acceptedAnswer": { "@type": "Answer", "text": "Mortgage providers will base the home equity loan options you receive on your available equity, income, debt, and credit history. Compare the loan amounts, rates, terms, and fees of these options to make an informed decision. Discover Home Loans has resources and calculators to help you determine what works best for you. You can calculate the amount of equity you have in your home and how much you can borrow using our loan amount calculator. Then try our monthly payment calculator to see what your monthly payment could be. It’s also a good idea to use our debt consolidation calculator to see how much you could save each month by consolidating debts with your loan." } },{ "@type": "Question", "name": "What are the benefits of a home equity loan from Discover Home Loans?", "acceptedAnswer": { "@type": "Answer", "text": "With Discover, you will not have to pay any application fees, origination fees, or appraisal fees. Since a home equity loan is a secured debt that uses your home as collateral, the average interest rate is typically lower than what you'll pay on an average credit card or other form of unsecured debt." } }] } </script> <style> /*@media screen and (min-width: 1025px){ #hero-banner .dhl-col-cntl:nth-child(1) div, #hero-banner img { min-height: 256px; } } @media screen and (max-width: 1024px){ #hero-banner .dhl-col-cntl:nth-child(1) div, #hero-banner img{ min-height: 113px; height: 113px; } }*/ .hero-image { background-image: url('/content/dam/dfs/dfs-home-loans/images/desktop-tab-mobile/MarchHELBanner-desktop.jpg'); min-height: 320px; background-size: cover; background-repeat: no-repeat; } @media screen and (max-width: 1024px){ .hero-image { background-image: url('/content/dam/dfs/dfs-home-loans/images/desktop-tab-mobile/MarchHELBanner-tablet.jpg'); } } @media screen and (min-width: 1025px) and (max-width: 1200px){ .hero-image { min-height: 290px; } } @media screen and (max-width: 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This type of loan typically provides access to a lump sum of cash at a low, fixed rate. You pay it back over a set period of time with a fixed monthly payment.</span></span></span></h5> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid max-width-940 aem-GridColumn aem-GridColumn--default--12"> <div id="cutout-display" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="colctrlcomp max-width-940 dlr0-mlr0 aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <div style="background-color: #ffffff"> <div class="row"> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="image space-pt-30 space-pr-20 space-pl-20 space-pb-20 width-auto align-center-img mobspace-pb-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="image" data-cmp-lazythreshold="0" data-cmp-src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container/colctrlcomp_13152879/par_0/image_copy_copy_copy_765262226.coreimg.90{.width}.png/1704797177129/lock-percent.png" data-cmp-widths="940" data-asset="/content/dam/dfs/dfs-home-loans/images/single-images/Lock-Percent.png" data-asset-id="119b7e87-58db-4d56-bd14-b5ac7bde6637" data-title="Loan options in minutes" id="image-a940730456" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container/colctrlcomp_13152879/par_0/image_copy_copy_copy_765262226.coreimg.90.940.png/1704797177129/lock-percent.png" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt="Loan options in minutes"/> </div> </div> <div class="custom-text text space-pb-30 space-pr-20 space-pl-20 mobspace-pt-10 mobspace-pb-0 aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h5 style="text-align: center;"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Borrow up to 90% CLTV</span></span></h5> <p style="text-align: center;"><span class="MetaWebPro-Normal"><span class="spacetext-pb-10">Lock in your rate with Discover on a home equity loan between $35,000 and $300,000 up to 90% combined loan-to-value (CLTV).</span></span></p> </div> </div> </div> </div> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="image space-pt-30 space-pr-20 space-pl-20 space-pb-20 width-auto align-center-img mobspace-pb-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="image" data-cmp-lazythreshold="0" data-cmp-src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container/colctrlcomp_13152879/par_1/image_copy_copy_copy_2061750008.coreimg.90{.width}.png/1704797176819/dollar-rotating.png" data-cmp-widths="940" data-asset="/content/dam/dfs/dfs-home-loans/images/single-images/Dollar-rotating.png" data-asset-id="e0a2bc6a-a479-4e44-85bd-ed2d6173b35f" data-title="Low Fixed Rates" id="image-371a5b3171" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container/colctrlcomp_13152879/par_1/image_copy_copy_copy_2061750008.coreimg.90.940.png/1704797176819/dollar-rotating.png" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt="Low Fixed Rates"/> </div> </div> <div class="custom-text text space-pb-30 space-pr-20 space-pl-20 mobspace-pt-10 mobspace-pb-0 aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h5 style="text-align: center;"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Fixed Repayment Terms</span></span></h5> <p style="text-align: center;"><span class="MetaWebPro-Normal"><span class="spacetext-pb-10">Find the monthly payment amount that's right for your budget with fixed terms of 10, 15, 20, or 30 years.</span></span></p> <p style="text-align: center;"><span class="MetaWebPro-Normal"><a href="#modalDialog-LoanPayment">Loan Payment Example</a></span><br /> </p> </div> </div> </div> </div> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="image space-pt-30 space-pr-20 space-pl-20 space-pb-20 width-auto align-center-img mobspace-pb-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div data-cmp-is="image" data-cmp-lazythreshold="0" data-cmp-src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container/colctrlcomp_13152879/par_2/image_copy_copy_copy_1585069024.coreimg.90{.width}.png/1704797177038/no-fee.png" data-cmp-widths="940" data-asset="/content/dam/dfs/dfs-home-loans/images/single-images/No-Fee.png" data-asset-id="e0cf86fa-6158-4b3e-9b75-7fa7b31d1eff" data-title="Help on hand" id="image-5997c26be0" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container/colctrlcomp_13152879/par_2/image_copy_copy_copy_1585069024.coreimg.90.940.png/1704797177038/no-fee.png" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt="Help on hand"/> </div> </div> <div class="custom-text text space-pb-30 space-pr-20 space-pl-10 mobspace-pt-10 mobspace-pb-30 mobspace-pl-10 mobspace-pr-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <h5 style="text-align: center;"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">$0 Costs at Closing</span></span></h5> <p style="text-align: center;"><span class="MetaWebPro-Normal"><span class="spacetext-pb-10">Tap into your equity with $0 application fees, $0 appraisal fees, $0 origination fees, $0 processing fees, and $0 charges at closing.</span></span><br /> </p> </div> </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> <div class="colctrlcomp dlr0-mlr0 aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <div style="background-color: #f7fafd"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pt-30 space-pb-30 ipad-plr-10 mobspace-pb-20 mobspace-pl-10 mobspace-pr-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h2 style="text-align: center;"><span class="spacetext-pb-20"><span class="MetaWebPro-Light">Home Equity Loan: Rates, terms, and fees</span></span></h2> </div> </div> <div class="colctrlcomp max-width-780 mobspace-pt-0 aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <div style="background-color: #ffffff"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="colctrlcomp max-width-580 dlr0-mlr0 aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text space-pt-30 space-pb-30 cmp-text--tablecolor mobspace-pt-0 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <table cellpadding="1" cellspacing="0" border="1"> <tbody><tr><td><h4><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Interest Rates</span></span><br /> </span></span></h4> </td> <td><h5><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">Fixed interest rates from <span class="second_lien_min">x.xx</span>% - <span class="second_lien_max_fla">xx.xx</span>% APR</span></span></span></span></h5> <p><a href="#modalDialog-APRDisclosureMortgages" style="background-color: rgb(255,255,255);font-weight: normal;"><span class="spacetext-pl-10">View APR disclosure</span></a></p> </td> </tr><tr><td><h4><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Loan Amounts</span></span></span></span></h4> </td> <td><h5><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">$35,000-$300,000</span></span></span></span></h5> </td> </tr><tr><td><h4><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Payments</span></span></span></span></h4> </td> <td><h5><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">Fixed Monthly Payments</span></span></span></span></h5> </td> </tr><tr><td><h4><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span class="MetaWebPro-Bold">Terms</span></span></span></h4> </td> <td><h5><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">10, 15, 20 & 30 Years</span></span></span></span></h5> <p><a href="#modalDialog-LoanPaymentSecond" style="background-color: rgb(255,255,255);font-weight: normal;"><span class="spacetext-pl-10">Loan Payment Example</span></a></p> </td> </tr><tr><td><h4><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Application Fees</span></span></span></span></h4> </td> <td><h5><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">$0</span></span></span></span></h5> </td> </tr><tr><td><h4><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Origination Fees</span></span></span></span></h4> </td> <td><h5><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">$0</span></span></span></span></h5> </td> </tr><tr><td><h4><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Appraisal Fees</span></span></span></span></h4> </td> <td><h5><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">$0</span></span></span></span></h5> </td> </tr><tr><td><h4><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Costs Required at Closing</span></span></span></span></h4> </td> <td><h5><span class="spacetext-pr-10"><span class="spacetext-pl-10"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">$0</span></span></span></span></h5> </td> </tr></tbody></table> </div> </div> <div class="experiencefragment aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="button cmp-button--primary c-align-center dhl-apply-now auto-width aem-GridColumn aem-GridColumn--default--12"> <a id="button-99fab291ed" class="cmp-button" href="https://homeloans.discover.com/web/dhl/apply/basicHomeInfo" data-analytics-label="GENERIC_GTSTARTED_XF_BDY_BTN"> <span class="cmp-button__text">Get Started</span> </a> </div> </div> </div> </div> <div class="custom-text text space-pb-30 cmp-text--tablecolor mobspace-pl-10 mobspace-pr-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div>  </div> <div class="custom-text text space-pb-30 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> </div> </div> </div> </div> </div> </div>  </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="dhl-modal large aem-GridColumn aem-GridColumn--default--12"> <section class="modals-wrapper"> <div class="modal disclosure-modal" tabindex="-1" data-backdrop="true" data-keyboard="false" id="modalDialog-APRDisclosureMortgages"> <div class="modal-dialog modal-dialog-centered"> <div class="modal-content"> <div class="modal-header"> <div> <div class="contentfragment MetaWebPro-Light fc-site-black space-pt-30 space-pb-30"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/disclosure/disclosure_apr" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <h3 style="text-align: center;"><b>APR disclosure</b></h3> </dd> </div> </dl> </div> </div> <div></div> <a class=" lnk-close-modal disclosure-close" data-dismiss="modal" href="#"> <span class="callfor-accessibility">Close</span> <span class="dhl-close"></span> </a> </div> <div class="modal-body"> <div> <div class="custom-text text space-pb-10"> <div class="cmp-text" style="background-color:"> <p><b>Fixed rates starting at <span class="first_lien_min">x.xx</span>% APR for first mortgages and <span class="second_lien_min">x.xx</span>% APR for second mortgages</b><br /> </p> </div> </div> <div class="custom-text text"> <div class="cmp-text" style="background-color:"> <p style="text-align: left;"><span class="spacetext-pb-20">The APR will be between <span class="MetaWebPro-Bold"><span class="first_lien_min">x.xx</span>% APR</span> and <span class="MetaWebPro-Bold"><span class="first_lien_max">x.xx</span>% APR </span>for first mortgages and <span class="MetaWebPro-Bold"><span class="second_lien_min">x.xx</span>% APR</span> and <span class="MetaWebPro-Bold"><span class="second_lien_max_fla">x.xx</span>% APR</span> for second mortgages based on loan amount and a review of credit-worthiness, including income and property information, at the time of application.</span></p> <p style="text-align: left;">The lowest APRs are available to borrowers requesting at least <span class="MetaWebPro-Bold">$<span class="second_lien_rates">xx,xxx</span></span> for second mortgages or <span class="MetaWebPro-Bold">$<span class="first_lien_rates">xxx,xxx</span></span> for first mortgages, with the best credit and other factors.</p> </div> </div> </div> </div> </div> </div> </div> </section></div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="dhl-modal large aem-GridColumn aem-GridColumn--default--12"> <section class="modals-wrapper"> <div class="modal disclosure-modal" tabindex="-1" data-backdrop="true" data-keyboard="false" id="modalDialog-LoanPayment"> <div class="modal-dialog modal-dialog-centered"> <div class="modal-content"> <div class="modal-header"> <div> <div class="contentfragment MetaWebPro-Light fc-site-black space-pt-30 space-pb-30"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/modal-popups/loan-payment" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <h3 style="text-align: center;"><b>Loan Payment Example</b></h3> </dd> </div> </dl> </div> </div> <div></div> <a class=" lnk-close-modal disclosure-close" data-dismiss="modal" href="#"> <span class="callfor-accessibility">Close</span> <span class="dhl-close"></span> </a> </div> <div class="modal-body"> <div> <div class="contentfragment MetaWebPro-Bold fc-site-black"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/modal-popups/loan-payment" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <p>Terms from 10 to 30 years</p> </dd> </div> </dl> </div> <div class="custom-text text space-pt-10"> <div class="cmp-text" style="background-color:"> <p style="text-align: left;">For example, if you borrowed $<span class="example_loan_amount">xx,xxx</span> for a 20 year term at <b><span class="example_pmt_rate">x.xx</span>% </b>APR, your fixed monthly payments would be $<span class="example_monthly_pmt">xxx.xx</span>.</p> </div> </div> </div> </div> </div> </div> </div> </section></div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="dhl-modal large aem-GridColumn aem-GridColumn--default--12"> <section class="modals-wrapper"> <div class="modal disclosure-modal" tabindex="-1" data-backdrop="true" data-keyboard="false" id="modalDialog-LoanPaymentSecond"> <div class="modal-dialog modal-dialog-centered"> <div class="modal-content"> <div class="modal-header"> <div> <div class="contentfragment MetaWebPro-Light fc-site-black space-pt-30 space-pb-30"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/modal-popups/loan-payment" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <h3 style="text-align: center;"><b>Loan Payment Example</b></h3> </dd> </div> </dl> </div> </div> <div></div> <a class=" lnk-close-modal disclosure-close" data-dismiss="modal" href="#"> <span class="callfor-accessibility">Close</span> <span class="dhl-close"></span> </a> </div> <div class="modal-body"> <div> <div class="contentfragment MetaWebPro-Bold fc-site-black"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/modal-popups/loan-payment" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <p>Terms from 10 to 30 years</p> </dd> </div> </dl> </div> <div class="custom-text text space-pt-10"> <div class="cmp-text" style="background-color:"> <p style="text-align: left;">For example, if you borrowed $<span class="example_loan_amount">xx,xxx</span> for a 20 year term at <b><span class="example_pmt_rate">x.xx</span>% </b>APR, your fixed monthly payments would be $<span class="example_monthly_pmt">xxx.xx</span>.</p> </div> </div> </div> </div> </div> </div> </div> </section></div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="colctrlcomp aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <div style="background-color: #00548a"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pt-30 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h2 style="text-align: center;"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Light">Find the Home Equity Loan options that work for you</span></span><br /> </h2> </div> </div> <div class="colctrlcomp dlr0-mlr0 desktopspace-pr-145 desktopspace-pl-145 aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <div class="row"> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="button cmp-button--secondary c-align-center space-pt-30 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <a id="button-c326b0de88" class="cmp-button" href="/home-loans/loan-amount-calculator/"> <span class="cmp-button__text">Loan amount calculator</span> </a> </div> <div class="custom-text text space-pt-20 space-pb-30 h5-tag-style aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><span style="color: rgb(255,255,255);"><span style="color: rgb(41,48,51);"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Bold">See how much you could borrow</span></span></span></span></p> </div> </div> <div class="button cmp-button--secondary c-align-center space-pt-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <a id="button-b999a01b99" class="cmp-button" href="https://www.discover.com/home-equity-loans/debt-consolidation-calculator/"> <span class="cmp-button__text">Debt consolidation calculator</span> </a> </div> <div class="custom-text text space-pt-20 mobspace-pb-10 h5-tag-style aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><span style="color: rgb(255,255,255);"><span style="color: rgb(41,48,51);"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Bold">Pay off debt & check your savings</span></span></span></span></p> </div> </div> </div> </div> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="button cmp-button--secondary c-align-center space-pt-30 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <a id="button-3331b12200" class="cmp-button" href="/home-loans/home-equity-loan-monthly-payment-calculator/"> <span class="cmp-button__text">Rate & payment calculator</span> </a> </div> <div class="custom-text text space-pt-20 space-pb-30 h5-tag-style aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><span style="color: rgb(255,255,255);"><span style="color: rgb(41,48,51);"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Bold">Check your fixed rate & payment</span></span></span></span></p> </div> </div> <div class="button cmp-button--secondary c-align-center space-pt-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <a id="button-4ba47be722" class="cmp-button" href="https://www.discover.com/home-loans/cash-out-refinance-calculator/"> <span class="cmp-button__text">Cash out refinance calculator</span> </a> </div> <div class="custom-text text space-pt-20 space-pb-30 h5-tag-style aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><span style="color: rgb(255,255,255);"><span style="color: rgb(41,48,51);"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Bold">Turn your home equity into cash</span></span></span></span></p> </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> <div class="custom-text text space-pt-30 space-pb-30 mobspace-pb-20 mobspace-pl-10 mobspace-pr-10 aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <h2 style="text-align: center;"><span class="MetaWebPro-Light">Home Equity Loan uses</span><br /> </h2> </div> </div> <div class="tabs panelcontainer cmp-tabs--width cmp-tabs--width-25 tab-dropdown aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-tabs" data-cmp-is="tabs"> <a aria-expanded="true" aria-haspopup="true" role="button" class="tab-dropdown-toggle"> <span class="selected"> </span> <span class="down_arrow"></span> </a> <ol role="tablist" class="cmp-tabs__tablist" aria-multiselectable="false"> <li role="tab" class="cmp-tabs__tab" data-cmp-hook-tabs="tab"> <span>Consolidate Your Debts</span> </li> <li role="tab" class="cmp-tabs__tab" data-cmp-hook-tabs="tab"> <span>Improve Your Home</span> </li> <li role="tab" class="cmp-tabs__tab" data-cmp-hook-tabs="tab"> <span>Refinance Your Mortgage</span> </li> <li role="tab" class="cmp-tabs__tab" data-cmp-hook-tabs="tab"> <span>Pay for Major Expenses</span> </li> </ol> <div role="tabpanel" class="cmp-tabs__tabpanel" data-cmp-hook-tabs="tabpanel"><div class="experiencefragment"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text space-pt-30 space-pb-20 ipad-plr-10 mobspace-pt-30 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <h4 style="text-align: center;">Want to reduce your monthly payments by hundreds of dollars? Our customers <span class="MetaWebPro-Bold">on average save $<span class="average_monthly_savings">xxx</span> a month!</span><sup>1 </sup>Potentially you could too. See details below.</h4> </div> </div> <div class="colctrlcomp aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="colctrlcomp dlr0-mlr0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:#dbdbdb"> <h5 style="text-align: center;"><span class="MetaWebPro-Bold"><span class="spacetext-ptb-10">BEFORE</span></span></h5> </div> </div> <div class="custom-text text space-pt-10 mobspace-pb-20 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <h4 style="text-align: center;"><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal"><span class="spacetext-pb-10"><b>$<span class="minimum_monthly_payment">x,xxx</span><sup>1</sup></b></span></span></span></span></h4> <p style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Mininum Monthly Payments<br /> </span></span></span></p> <p style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal"><span class="spacetext-pl-10"><span class="spacetext-pr-10">credit cards and loans totaling $<span class="total_loan_amount">xx,xxx</span></span></span></span></span></p> </div> </div> </div> </div> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:#2477ab"> <h5 style="text-align: center;"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Bold"><span class="spacetext-ptb-10">AFTER</span></span></span></h5> </div> </div> <div class="custom-text text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:#f7fafd"> <h4 style="text-align: center;"><span style="color: rgb(255,96,0);"><span style="color: rgb(41,48,51);"><span class="spacetext-ptb-10"><span class="MetaWebPro-Bold"><b>$<span class="fixed_monthly_payment">xxx</span></b></span></span></span></span></h4> <p style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Fixed Monthly Payments<br /> </span></span></span></p> <p style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal"><span class="spacetext-pb-20"><span class="spacetext-pl-10"><span class="spacetext-pr-10">from Discover, 2nd lien, $<span class="total_loan_amount">xx,xxx</span> at <span class="second_lien_apr_fla">x.xx</span>% APR<sup>1</sup>, 30 yr term<br /> (excludes taxes & insurance)</span></span></span></span></span></p> </div> </div> </div> </div> </div> </div>  </div> <div class="custom-text text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:#f2f2f2"> <h4 style="text-align: center;"><span style="color: rgb(255,96,0);"><span class="MetaWebPro-Bold"><span class="spacetext-ptb-10"><span style="color: rgb(41,48,51);"><span class="spacetext-pl-10"><span class="spacetext-pr-10">Keep $<span class="average_monthly_savings">xxx</span> every month - that's $<span class="average_yearly_savings">xx,xxx</span> back for the year!<sup>1</sup></span></span></span></span></span></span></h4> </div> </div> <div class="colctrlcomp dlr0-mlr0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pt-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><a href="#modalDialog-ImportantInfo">1 Payment Comparison Disclosure</a></p> </div> </div> </div> </div> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div>  </div> <div class="custom-text text space-pt-20 space-pb-30 mobspace-pb-30 h5-tag-style aem-GridColumn aem-GridColumn--default--8"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(36,119,171);"><span class="MetaWebPro-Bold"><a href="https://www.discover.com/home-loans/debt-consolidation/">More about debt consolidation <img src="/content/dam/dfs/dfs-home-loans/icons/HomeEquity-DebtMoreInfo.png"/></a></span></span></p> </div> </div> </div> </div> </div> </div>  </div> <div class="colctrlcomp space-pb-30 ipad-pr-15 mobspace-pb-0 mobspace-pl-10 mobspace-pr-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4">  <div class="container-fluid"> <div style="background-color: #00548a"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="custom-text text space-pt-20 aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="cmp-text" style="background-color:"> <h4 style="text-align: left;"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Normal">Find your</span><span class="MetaWebPro-Bold"> low,<br /> <span class="spacetext-pb-10">fixed rate</span></span></span></h4> <p style="text-align: left;"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Normal">Use our Rate Calculator to find the rate and monthly payment that fits your budget.</span></span><br /> </p> </div> </div> <div class="button cmp-button--secondary c-align-left space-pt-10 space-pb-20 auto-width aem-GridColumn--tablet--11 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--11 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <a id="button-e8632f4499" class="cmp-button" href="/home-loans/home-equity-loan-monthly-payment-calculator/"> <span class="cmp-button__text">Estimate My Rate </span> </a> </div> </div> </div> </div> </div> </div>  </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="dhl-modal large aem-GridColumn aem-GridColumn--default--12"> <section class="modals-wrapper"> <div class="modal disclosure-modal" tabindex="-1" data-backdrop="true" data-keyboard="false" id="modalDialog-APRDisclosureSecond"> <div class="modal-dialog modal-dialog-centered"> <div class="modal-content"> <div class="modal-header"> <div> <div class="contentfragment MetaWebPro-Light fc-site-black space-pt-30 space-pb-30"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/disclosure/disclosure_apr" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <h3 style="text-align: center;"><b>APR disclosure</b></h3> </dd> </div> </dl> </div> </div> <div></div> <a class=" lnk-close-modal disclosure-close" data-dismiss="modal" href="#"> <span class="callfor-accessibility">Close</span> <span class="dhl-close"></span> </a> </div> <div class="modal-body"> <div> <div class="custom-text text space-pb-10"> <div class="cmp-text" style="background-color:"> <p><b>Fixed rates starting at <span class="first_lien_min">x.xx</span>% APR for first liens and <span class="second_lien_min">x.xx</span>% APR for second liens</b><br /> </p> </div> </div> <div class="custom-text text"> <div class="cmp-text" style="background-color:"> <p style="text-align: left;"><span class="spacetext-pb-20">The APR will be between <span class="MetaWebPro-Bold"><span class="first_lien_min">x.xx</span>% APR</span> and <span class="MetaWebPro-Bold"><span class="first_lien_max">x.xx</span>% APR </span>for first liens and <span class="MetaWebPro-Bold"><span class="second_lien_min">x.xx</span>% APR</span> and <span class="MetaWebPro-Bold"><span class="second_lien_max_fla">x.xx</span>% APR</span> for second liens based on loan amount and a review of credit-worthiness, including income and property information, at the time of application.</span></p> <p style="text-align: left;">The lowest APRs are available to borrowers requesting at least <span class="MetaWebPro-Bold">$<span class="second_lien_rates">xx,xxx</span></span> for second liens or <span class="MetaWebPro-Bold">$<span class="first_lien_rates">xxx,xxx</span></span> for first liens, with the best credit and other factors.</p> </div> </div> <div class="ghost"> </div> </div> </div> </div> </div> </div> </section></div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="dhl-modal large aem-GridColumn aem-GridColumn--default--12"> <section class="modals-wrapper"> <div class="modal disclosure-modal" tabindex="-1" data-backdrop="true" data-keyboard="false" id="modalDialog-ImportantInfo"> <div class="modal-dialog modal-dialog-centered"> <div class="modal-content"> <div class="modal-header"> <div> <div class="contentfragment MetaWebPro-Light fc-site-black space-pt-30 space-pb-30"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/modal-popups/important-info" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <h3 style="text-align: center;"><b>Payment Comparison</b></h3> </dd> </div> </dl> </div> </div> <div></div> <a class=" lnk-close-modal disclosure-close" data-dismiss="modal" href="#"> <span class="callfor-accessibility">Close</span> <span class="dhl-close"></span> </a> </div> <div class="modal-body"> <div> <div class="custom-text text"> <div class="cmp-text" style="background-color:"> <p style="text-align: left;">Example is based on the average original monthly debt payment total vs. consolidated debt amount, and term received by actual customers who financed a debt consolidation with Discover Home Loans over the most recent three full months of available data. Payment reductions are for illustration purposes only and assume you make your home loan payment on time. Your actual payment reduction may vary depending on the APR and term of your home loan, the actual terms of your credit accounts, and how you make payments on those accounts. Taking cash out in addition to consolidating debt will increase your monthly payment. Your actual APR may be higher or lower than the APR shown here, which is based on APRs available as of the date of this communication and creditworthiness. Please visit Discover.com/home-loans/rates to see today's APRs.</p> <p style="text-align: left;"> </p> <p style="text-align: left;">Based on a $<span class="total_loan_amount">xx,xxx</span> loan amount at <span class="second_lien_apr_fla">x.xx</span>% APR for a 30 year term with a monthly payment of $<span class="fixed_monthly_payment">xxx</span>.</p> <p style="text-align: left;"> </p> <p style="text-align: left;"><b>Benefits and Risks of Debt Consolidation: </b>The relative benefits of a debt consolidation loan depend on your individual circumstances and actual debt payments. You will save on interest payments when you pay the new, lower interest rate loan monthly in an amount equal to or greater than previous payments towards the higher rate debt(s) being consolidated.</p> <p style="text-align: left;"><br /> <b>Keep in mind, though, while your monthly payments will be lower, in the long term you may pay more interest if the debt is extended.</b></p> </div> </div> </div> </div> </div> </div> </div> </section></div> </div> </div> </div> </div> </div> </div> </div> <div role="tabpanel" class="cmp-tabs__tabpanel" data-cmp-hook-tabs="tabpanel"><div class="experiencefragment"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text space-pt-20 space-pl-20 mobspace-pt-30 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> </div> </div> <div class="colctrlcomp aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--9 aem-Grid--default--9 aem-Grid--phone--12 "> <div class="custom-text text space-pr-10 space-pl-10 mobspace-pb-10 aem-GridColumn--default--9 aem-GridColumn"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><b>Make it the home of your dreams.</b></span></span></p> </div> </div> <div class="colctrlcomp dtb20-mtb10 dlr10-mlr20 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(255,96,0);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Make Big Upgrades</span></span></span></p> <p>$35,000 - $300,000 is enough money to renovate or expand your living space.</p> </div> </div> </div> </div> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(255,96,0);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Save With Low, Fixed Rates</span></span></span></p> <p><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">Get a low monthly payment and zero costs required at closing.</span></span></span></p> </div> </div> </div> </div> </div> </div>  </div> <div class="custom-text text space-pt-0 space-pb-30 space-pr-10 space-pl-10 mobspace-pt-10 mobspace-pb-30 h5-tag-style aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(36,119,171);"><span class="MetaWebPro-Bold"><a href="https://www.discover.com/home-loans/home-improvement/">More about improving your home <img src="/content/dam/dfs/dfs-home-loans/icons/HomeEquity-DebtMoreInfo.png"/></a></span></span></p> </div> </div> </div> </div> </div> </div>  </div> <div class="colctrlcomp space-pb-30 dtb20-mtb10 ipad-pr-15 mobspace-pb-0 mobspace-pl-10 mobspace-pr-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div style="background-color: #00548a"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--3 aem-Grid--default--3 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--default--3"> <div class="cmp-text" style="background-color:"> <p style="text-align: left;"><span style="color: rgb(255,255,255);"><span class="spacetext-pb-10"><b>Did you know?</b></span></span></p> <p style="text-align: left;"><span class="spacetext-pb-10"><span style="color: rgb(255,255,255);">The home equity you’ve earned can be used in a multitude of ways.</span></span></p> </div> </div> <div class="button cmp-button--secondary c-align-left auto-width aem-GridColumn aem-GridColumn--default--3"> <a id="button-8e33ad3cfc" class="cmp-button" href="/home-loans/rates/"> <span class="cmp-button__text">Learn More</span> </a> </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> </div> <div role="tabpanel" class="cmp-tabs__tabpanel" data-cmp-hook-tabs="tabpanel"><div class="experiencefragment"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text space-pt-20 mobspace-pt-30 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> </div> </div> <div class="colctrlcomp aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--9 aem-Grid--default--9 aem-Grid--phone--12 "> <div class="custom-text text space-pr-10 space-pl-10 mobspace-pb-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><b>Refinance and cash out with a new rate and term.</b></span></span><br /> </p> </div> </div> <div class="colctrlcomp dtb20-mtb10 dlr10-mlr20 edgeslrpadding-no aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(255,96,0);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">We Have Your Needs Covered</span></span></span></p> <p><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">We can refinance your original mortgage, a HELOC, or an old home equity loan.</span></span></span><br /> </p> </div> </div> </div> </div> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(255,96,0);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Get a New Rate And Term</span></span></span></p> <p><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">Put yourself back in control of a better financial situation. Zero costs required at closing.</span></span></span><br /> </p> </div> </div> </div> </div> </div> </div>  </div> <div class="custom-text text space-pt-0 space-pr-10 space-pl-10 mobspace-pt-10 mobspace-pb-30 h5-tag-style aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(36,119,171);"><a href="/home-loans/refinance/"><span class="MetaWebPro-Bold">More about refinancing your mortgage <img src="/content/dam/dfs/dfs-home-loans/icons/HomeEquity-DebtMoreInfo.png"/></span></a></span></p> </div> </div> </div> </div> </div> </div>  </div> <div class="colctrlcomp space-pb-30 dtb20-mtb10 ipad-pr-15 mobspace-pb-0 mobspace-pl-10 mobspace-pr-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div style="background-color: #00548a"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--3 aem-Grid--default--3 aem-Grid--phone--12 "> <div class="custom-text text space-pb-20 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <h4 style="text-align: left;"><span class="spacetext-pb-10"><a href="https://homeloans.discover.com/web/dhl/apply/basicHomeInfo/"><span style="color: rgb(255,255,255);">Apply in<br /> minutes</span></a></span></h4> <p style="text-align: left;"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Normal">$0 Application Fees. <br /> $0 Origination Fees.<br /> $0 Costs Required at Closing.</span></span></p> </div> </div> <div class="button cmp-button--secondary c-align-left auto-width aem-GridColumn aem-GridColumn--default--3"> <a id="button-cfcfa758a4" class="cmp-button" href="/home-loans/rates/"> <span class="cmp-button__text">Learn More</span> </a> </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> </div> <div role="tabpanel" class="cmp-tabs__tabpanel" data-cmp-hook-tabs="tabpanel"><div class="experiencefragment"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text space-pt-20 mobspace-pt-30 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> </div> </div> <div class="colctrlcomp aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--9 aem-Grid--default--9 aem-Grid--phone--12 "> <div class="custom-text text space-pr-10 space-pl-10 mobspace-pb-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><b>Imagine what your home equity could provide.</b></span></span><br /> </p> </div> </div> <div class="colctrlcomp dtb20-mtb10 dlr10-mlr20 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div class="row"> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(255,96,0);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Get Cash to Meet Your Needs</span></span></span></p> <p>Pay the tuition of a loved one. Have the perfect wedding. Cover any healthcare bills.<br /> </p> </div> </div> </div> </div> <div class="col-md-6 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(255,96,0);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Feel Secure About Your Rate</span></span></span></p> <p><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">The low, fixed rate and principal payment you'll get from Discover won't ever change.</span></span></span><br /> </p> </div> </div> </div> </div> </div> </div>  </div> <div class="custom-text text space-pt-0 space-pr-10 space-pl-10 mobspace-pt-10 mobspace-pb-30 h5-tag-style aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--default--9 aem-GridColumn aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(36,119,171);"><span class="MetaWebPro-Bold"><a href="https://www.discover.com/home-loans/pay-major-expenses/">More about paying for major expenses <img src="/content/dam/dfs/dfs-home-loans/icons/HomeEquity-DebtMoreInfo.png"/></a></span></span></p> </div> </div> </div> </div> </div> </div>  </div> <div class="colctrlcomp space-pb-30 dtb20-mtb10 ipad-pr-15 mobspace-pb-0 mobspace-pl-10 mobspace-pr-10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div style="background-color: #00548a"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--3 aem-Grid--default--3 aem-Grid--phone--12 "> <div class="custom-text text aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--default--3"> <div class="cmp-text" style="background-color:"> <p style="text-align: left;"><span class="MetaWebPro-Normal"><span style="color: rgb(255,255,255);"><span class="spacetext-pb-10"><b>Did you know?</b></span></span></span></p> <p style="text-align: left;"><span class="MetaWebPro-Normal"><span style="color: rgb(255,255,255);"><span class="spacetext-pb-10">The home equity you’ve earned can be used in a multitude of ways.</span></span></span></p> </div> </div> <div class="button cmp-button--secondary c-align-left auto-width aem-GridColumn aem-GridColumn--default--3"> <a id="button-c8d815c105" class="cmp-button" href="/home-loans/rates/"> <span class="cmp-button__text">Learn More</span> </a> </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div></div> <div class="colctrlcomp aem-GridColumn--phone--none aem-GridColumn--default--hide aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div style="background-color: #ffffff"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pt-30 space-pb-30 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h2 style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Light">Here’s what customers are saying about Discover Home Equity Loans</span></span></h2> </div> </div> <div class="carousel panelcontainer cmp-carousel--carouselslide aem-GridColumn--phone--none aem-GridColumn--default--hide aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="carousel-4963fe1062" class="cmp-carousel" role="group" aria-live="polite" aria-roledescription="carousel" data-cmp-is="carousel" data-cmp-delay="5000" data-placeholder-text="false"> <div class="cmp-carousel__content" aria-atomic="false" aria-live="polite"> <div class="cmp-carousel__item cmp-carousel__item--active" role="tabpanel" aria-labelledby="carousel-4963fe1062-item-d6d1479387-tab" aria-roledescription="slide" aria-label="Slide 1 of 3" data-cmp-data-layer="{"carousel-4963fe1062-item-d6d1479387":{"@type":"dfs-home-loans/components/gen-components/carousel/item"}}" data-cmp-hook-carousel="item"><div class="colctrlcomp">  <div class="container-fluid"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="image align-center-img width-150 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> </div> <div class="custom-text text space-pt-10 space-pb-30 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--6 aem-GridColumn--offset--default--3"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal"><span class="spacetext-pb-10">Easy smooth process all the way through. No closing cost and competitive interest rate were the icing on the cake. Nice job!</span></span></span></p> <p style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><i><span class="spacetext-pb-30">Christopher B., TX, 3/5/2024</span></i></span></span></p> </div> </div> </div> </div> </div> </div>  </div> </div> <div class="cmp-carousel__item" role="tabpanel" aria-labelledby="carousel-4963fe1062-item-90a4dcc06c-tab" aria-roledescription="slide" aria-label="Slide 2 of 3" data-cmp-data-layer="{"carousel-4963fe1062-item-90a4dcc06c":{"@type":"dfs-home-loans/components/gen-components/carousel/item"}}" data-cmp-hook-carousel="item"><div class="colctrlcomp">  <div class="container-fluid"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="image align-center-img width-150 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> </div> <div class="custom-text text space-pt-10 space-pb-30 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--6 aem-GridColumn--offset--default--3"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><span class="MetaWebPro-Normal"><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="spacetext-pb-10">The process was overall very easy. The portal was super helpful to upload the documents and keep track of any new requests. The team was super communicative which was much appreciated!</span></span></span></span></p> <p style="text-align: center;"><i style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-30">Melissa W., MA, 3/12/2024</span></span></span></i></p> </div> </div> </div> </div> </div> </div>  </div> </div> <div class="cmp-carousel__item" role="tabpanel" aria-labelledby="carousel-4963fe1062-item-46a2a74301-tab" aria-roledescription="slide" aria-label="Slide 3 of 3" data-cmp-data-layer="{"carousel-4963fe1062-item-46a2a74301":{"@type":"dfs-home-loans/components/gen-components/carousel/item"}}" data-cmp-hook-carousel="item"><div class="colctrlcomp">  <div class="container-fluid"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="image align-center-img width-150 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> </div> <div class="custom-text text space-pt-10 space-pb-30 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--6 aem-GridColumn--offset--default--3"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><span class="MetaWebPro-Normal"><span style="color: rgb(41,48,51);"><span class="spacetext-pb-10">You did great walking me through the process and what documents were required. It was all virtual. Didn't require extensive appointments.</span></span></span></p> <p style="text-align: center;"><span class="MetaWebPro-Bold"><span style="color: rgb(41,48,51);"><i><span class="spacetext-pb-30">Stephanie H., FL, 3/19/2024</span></i></span></span></p> </div> </div> </div> </div> </div> </div>  </div> </div> <div class="cmp-carousel__actions"> <button class="cmp-carousel__action cmp-carousel__action--previous" type="button" aria-label="Previous" data-cmp-hook-carousel="previous"> <span class="cmp-carousel__action-icon"></span> <span class="cmp-carousel__action-text">Previous</span> </button> <button class="cmp-carousel__action cmp-carousel__action--next" type="button" aria-label="Next" data-cmp-hook-carousel="next"> <span class="cmp-carousel__action-icon"></span> <span class="cmp-carousel__action-text">Next</span> </button> </div> <ol class="cmp-carousel__indicators" role="tablist" aria-label="Choose a slide to display" data-cmp-hook-carousel="indicators"> <li id="carousel-4963fe1062-item-d6d1479387-tab" class="cmp-carousel__indicator cmp-carousel__indicator--active" role="tab" aria-controls="carousel-4963fe1062-item-d6d1479387-tabpanel" aria-label="Slide 1" data-cmp-hook-carousel="indicator"></li> <li id="carousel-4963fe1062-item-90a4dcc06c-tab" class="cmp-carousel__indicator" role="tab" aria-controls="carousel-4963fe1062-item-90a4dcc06c-tabpanel" aria-label="Slide 2" data-cmp-hook-carousel="indicator"></li> <li id="carousel-4963fe1062-item-46a2a74301-tab" class="cmp-carousel__indicator" role="tab" aria-controls="carousel-4963fe1062-item-46a2a74301-tabpanel" aria-label="Slide 3" data-cmp-hook-carousel="indicator"></li> </ol> </div> </div> </div> <div class="custom-text text aem-GridColumn--phone--hide aem-GridColumn--default--hide aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <p> </p> <p> </p> </div> </div> </div> </div> </div> </div> </div>  </div> <div class="colctrlcomp space-pb-30 aem-GridColumn--phone--hide aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0">  <div class="container-fluid"> <div style="background-color: #ffffff"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pt-30 space-pb-30 mobspace-pl-10 mobspace-pr-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h2 style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Light">Here’s what customers are saying about Discover Home Equity Loans</span></span></h2> </div> </div> <div class="colctrlcomp max-width-940 dlr0-mlr10 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div style="background-color: #ffffff"> <div class="row"> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "> <div class="image width-150 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--7 aem-GridColumn--offset--phone--3 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"> </div> <div class="custom-text text space-pt-10 space-pr-10 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal"><span class="spacetext-pb-20">Easy smooth process all the way through. No closing cost and competitive interest rate were the icing on the cake. Nice job!</span></span></span></span></p> <p><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><i>Christopher B., TX, 3/5/2024</i></span></span><br /> </p> </div> </div> </div> </div> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "> <div class="image space-pl-10 width-150 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--7 aem-GridColumn--offset--phone--3 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"> </div> <div class="custom-text text space-pt-10 space-pr-10 aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--1"> <div class="cmp-text" style="background-color:"> <p><span class="spacetext-pb-20"><span class="MetaWebPro-Normal">The process was overall very easy. The portal was super helpful to upload the documents and keep track of any new requests. The team was super communicative which was much appreciated!</span></span></p> <p><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><i>Melissa W., MA, 3/12/2024</i></span></span><br /> </p> </div> </div> </div> </div> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--10 aem-Grid--default--10 "> <div class="image space-pl-10 width-150 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--7 aem-GridColumn--offset--phone--3 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--default--0"> </div> <div class="custom-text text space-pt-10 space-pr-10 space-pl-10 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal"><span class="spacetext-pb-20">You did great walking me through the process and what documents were required. It was all virtual. Didn't require extensive appointments.</span></span></span></span></p> <p><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><i>Stephanie H., FL, 3/19/2024</i></span></span><br /> </p> </div> </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div>  </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-ae039e6a1b" class="cmp-container" style="background-color:#f7fafd;"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text space-pt-30 mobspace-pb-10 mobspace-pl-10 mobspace-pr-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h2 style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Light">Applying is simple from start to finish</span></span></h2> </div> </div> <div class="colctrlcomp dtb30-mtb30 dlr0-mlr10 aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0">  <div class="container-fluid"> <div class="row" id="hp-col-cntrl"> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="image width-auto width-45 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2 aem-GridColumn--phone--1"> <div data-cmp-is="image" data-cmp-lazythreshold="0" data-cmp-src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container_1189582390/colctrlcomp_copy_839_247290104/par_0/image_copy.coreimg.90{.width}.png/1614199967541/homepage-img1-2x.png" data-cmp-widths="940" data-asset="/content/dam/dfs/dfs-home-loans/icons/HomePage-img1@2x.png" data-asset-id="547171c8-a122-438a-b5e2-104aa05b113b" id="image-9ea40673ae" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container_1189582390/colctrlcomp_copy_839_247290104/par_0/image_copy.coreimg.90.940.png/1614199967541/homepage-img1-2x.png" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt/> </div> </div> <div class="custom-text text mobspace-pl-0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <h5 style="text-align: left;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Getting the Basics</span></span></h5> <h6 style="text-align: left;"><span style="color: rgb(104,99,107);"><span class="spacetext-pb-10" style="font-weight: normal;"><span class="MetaWebPro-Bold">Around 1-2 Weeks</span></span></span></h6> <h6 style="text-align: left;"><span style="color: rgb(41,48,51);"><b><span class="MetaWebPro-Normal">Apply online or over the phone to review your loan options, then upload required documents. We’ll confirm your initial eligibility.</span></b></span><br /> </h6> </div> </div> </div> </div> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="image width-auto width-45 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2 aem-GridColumn--phone--1"> <div data-cmp-is="image" data-cmp-lazythreshold="0" data-cmp-src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container_1189582390/colctrlcomp_copy_839_247290104/par_1/image_copy_copy.coreimg.90{.width}.png/1614199966042/homepage-img2-2x.png" data-cmp-widths="940" data-asset="/content/dam/dfs/dfs-home-loans/icons/HomePage-img2@2x.png" data-asset-id="a080fcb2-ebf1-4cd0-b8a0-130d42dd43ed" id="image-5f4584c61a" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container_1189582390/colctrlcomp_copy_839_247290104/par_1/image_copy_copy.coreimg.90.940.png/1614199966042/homepage-img2-2x.png" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt/> </div> </div> <div class="custom-text text space-pl-0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <h5 style="text-align: left;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Processing Your Info</span></span></h5> <h6 style="text-align: left;"><span style="color: rgb(99,104,107);"><b data-rte-class="rte-temp"><span class="MetaWebPro-Normal"><b data-rte-class="rte-temp"><span class="spacetext-pb-10">Around 4 Weeks</span></b></span></b></span></h6> <h6 style="text-align: left;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">We’ll gather third-party information about your home and then send your complete application to underwriting for a final decision.</span></span></h6> </div> </div> </div> </div> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="image width-auto width-45 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--2 aem-GridColumn--phone--1"> <div data-cmp-is="image" data-cmp-lazythreshold="0" data-cmp-src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container_1189582390/colctrlcomp_copy_839_247290104/par_2/image_copy_copy_copy.coreimg.90{.width}.png/1614199966765/homepage-img3-2x.png" data-cmp-widths="940" data-asset="/content/dam/dfs/dfs-home-loans/icons/HomePage-img3@2x.png" data-asset-id="0de7afbf-01d6-4a1c-b8ec-d48a6f4dd01f" id="image-df5a3dd826" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/home-equity-loan/_jcr_content/root/responsivegrid/container_1189582390/colctrlcomp_copy_839_247290104/par_2/image_copy_copy_copy.coreimg.90.940.png/1614199966765/homepage-img3-2x.png" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt/> </div> </div> <div class="custom-text text space-pl-0 mobspace-pb-20 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--6 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <h5 style="text-align: left;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Closing Your Loan</span></span></h5> <h6 style="text-align: left;"><span style="color: rgb(99,104,107);"><b data-rte-class="rte-temp"><span class="MetaWebPro-Normal"><b data-rte-class="rte-temp"><span class="spacetext-pb-10">Around 1-2 Weeks</span></b></span></b></span></h6> <h6 style="text-align: left;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">We’ll contact you to schedule your closing and then arrange for your loan funds to be sent to your accounts.</span></span></h6> </div> </div> </div> </div> </div> </div>  </div> <div class="button cmp-button--secondary c-align-center space-pb-30 auto-width aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <a id="button-0733d771d6" class="cmp-button" href="https://www.discover.com/home-loans/application-checklist/"> <span class="cmp-button__text">Get Your Application Checklist</span> </a> </div> </div> </div> </div> <div class="container responsivegrid mobspace-pt-30 aem-GridColumn aem-GridColumn--default--12"> <div id="container-c66d49ab84" class="cmp-container" style="background-color:#2381be;"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pt-30 space-pb-30 mobspace-pl-10 mobspace-pr-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:#2381be"> <h2 style="text-align: center;"><span class="spacetext-ptb-10"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Light">Home Equity Loan questions & answers</span></span></span></h2> </div> </div> </div> </div> </div> <div class="colctrlcomp aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0">  <div class="container-fluid"> <div style="background-color: #f7fafd"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="accordion panelcontainer tertiary aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--10 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--1"> <div id="accordion-4e9490be97" class="cmp-accordion" data-cmp-is="accordion" data-placeholder-text="false"> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-4e9490be97-item-a53bdac76a":{"@type":"dfs-home-loans/components/gen-components/accordion/item","repo:modifyDate":"2023-04-27T06:56:37Z","dc:title":"How does a home equity loan work?"}}" data-cmp-expanded> <h3 class="cmp-accordion__header"> <button id="accordion-4e9490be97-item-a53bdac76a-button" class="cmp-accordion__button cmp-accordion__button--expanded" type="button" aria-controls="accordion-4e9490be97-item-a53bdac76a-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">How does a home equity loan work?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-4e9490be97-item-a53bdac76a-panel" class="cmp-accordion__panel cmp-accordion__panel--expanded" role="region" aria-labelledby="accordion-4e9490be97-item-a53bdac76a-button"><div class="contentfragment"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/faqs-answers/faq_popularquestions_01-cf" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <p>A home equity loan is a second mortgage that lets you pull cash from your home equity. Unlike HELOCs, home equity loans come with low, fixed rates and provide a lump sum of cash instead of a variable line of credit.</p> </dd> </div> </dl> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-4e9490be97-item-628cb123b0":{"@type":"dfs-home-loans/components/gen-components/accordion/item","repo:modifyDate":"2023-01-11T10:30:16Z","dc:title":"What is a home equity line of credit (HELOC)?"}}"> <h3 class="cmp-accordion__header"> <button id="accordion-4e9490be97-item-628cb123b0-button" class="cmp-accordion__button" type="button" aria-controls="accordion-4e9490be97-item-628cb123b0-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What is a home equity line of credit (HELOC)?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-4e9490be97-item-628cb123b0-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-4e9490be97-item-628cb123b0-button"><div class="contentfragment"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/faqs-answers/faq_popularquestions_01-cf" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <p><i><b>Please note: Discover Home Loans offers a home equity loan product, but does not offer HELOCs.</b><br /> </i></p> <p> </p> <p>A home equity line of credit (HELOC) is a type of credit account that lets you borrow money against the value of your home. Because the money you borrow is a secured debt that uses your home as collateral, you can typically obtain a lower interest rate on a HELOC or other home equity loan than you could get for other types of consumer loans.</p> </dd> </div> </dl> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-4e9490be97-item-45668a8dc2":{"@type":"dfs-home-loans/components/gen-components/accordion/item","repo:modifyDate":"2022-12-05T10:55:46Z","dc:title":"What is the difference between a home equity loan and a home equity line of credit?"}}"> <h3 class="cmp-accordion__header"> <button id="accordion-4e9490be97-item-45668a8dc2-button" class="cmp-accordion__button" type="button" aria-controls="accordion-4e9490be97-item-45668a8dc2-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What is the difference between a home equity loan and a home equity line of credit?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-4e9490be97-item-45668a8dc2-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-4e9490be97-item-45668a8dc2-button"><div class="contentfragment"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/faqs-answers/faq_popularquestions_01-cf" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <p>There are many differences between a <a href="https://www.discover.com/home-loans/articles/hel-vs-heloc/" target="_blank">home equity loan vs HELOC</a>. For example, a home equity loan comes with fixed rates and a lump sum of cash while a HELOC comes with variable rates and a line of credit. Regardless of which you choose, both a home equity loan and HELOC can help finance major projects like home renovations.</p> <p> </p> <p>Discover offers <a href="/home-loans/home-equity-loan/" target="_blank">home equity loan</a> and <a href="https://www.discover.com/home-loans/refinance/" target="_blank">mortgage refinance</a> products but does not offer HELOCs.</p> </dd> </div> </dl> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-4e9490be97-item-dacc42a053":{"@type":"dfs-home-loans/components/gen-components/accordion/item","repo:modifyDate":"2022-12-05T10:56:50Z","dc:title":"What is a fixed interest rate for home equity loans?"}}"> <h3 class="cmp-accordion__header"> <button id="accordion-4e9490be97-item-dacc42a053-button" class="cmp-accordion__button" type="button" aria-controls="accordion-4e9490be97-item-dacc42a053-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What is a fixed interest rate for home equity loans?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-4e9490be97-item-dacc42a053-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-4e9490be97-item-dacc42a053-button"><div class="contentfragment"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/faqs-answers/faq_popularquestions_01-cf" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <p>A <b>fixed interest rate</b> on your home equity loan means you will make stable and predictable interest payments towards your loan balance for the life of the loan.</p> </dd> </div> </dl> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-4e9490be97-item-6f7187e125":{"@type":"dfs-home-loans/components/gen-components/accordion/item","repo:modifyDate":"2022-12-05T10:57:12Z","dc:title":"How can you find the right home equity loan for you?"}}"> <h3 class="cmp-accordion__header"> <button id="accordion-4e9490be97-item-6f7187e125-button" class="cmp-accordion__button" type="button" aria-controls="accordion-4e9490be97-item-6f7187e125-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">How can you find the right home equity loan for you?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-4e9490be97-item-6f7187e125-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-4e9490be97-item-6f7187e125-button"><div class="contentfragment"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/faqs-answers/faq_popularquestions_01-cf" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <p>Mortgage providers will base the home equity loan options you receive on your available equity, income, debt, and credit history. Compare the loan amounts, rates, terms, and fees of these options to make an informed decision.</p> <p> </p> <p>Discover Home Loans has resources and calculators to help you determine what works best for you. </p> <p> </p> <p>You can calculate the amount of equity you have in your home and how much you can borrow using our <a href="/home-loans/loan-amount-calculator/" target="_blank">loan amount calculator</a>. Then try our <a href="/home-loans/home-equity-loan-monthly-payment-calculator/" target="_blank">monthly payment calculator</a> to see what your monthly payment could be. </p> <p> </p> <p>It’s also a good idea to use our <a href="https://www.discover.com/home-equity-loans/debt-consolidation-calculator/" target="_blank">debt consolidation calculator</a> to see how much you could save each month by consolidating debts with your loan.</p> </dd> </div> </dl> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-4e9490be97-item-402db70b3a":{"@type":"dfs-home-loans/components/gen-components/accordion/item","repo:modifyDate":"2023-04-27T07:22:28Z","dc:title":"What are the benefits of a home equity loan from Discover Home Loans?"}}"> <h3 class="cmp-accordion__header"> <button id="accordion-4e9490be97-item-402db70b3a-button" class="cmp-accordion__button" type="button" aria-controls="accordion-4e9490be97-item-402db70b3a-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What are the benefits of a home equity loan from Discover Home Loans?</span> <span class="cmp-accordion__icon"></span> </button> </h3> <div data-cmp-hook-accordion="panel" id="accordion-4e9490be97-item-402db70b3a-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-4e9490be97-item-402db70b3a-button"><div class="contentfragment"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/faqs-answers/faq_popularquestions_01-cf" data-type="dfs/dfs-home-loans/models/dhl-fragment-model" class="cmp-contentfragment"> <div class="cmp-contentfragment__element cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <p>With Discover, you will not have to pay any application fees, origination fees, or appraisal fees. Since a home equity loan is a secured debt that uses your home as collateral, the average interest rate is typically lower than what you'll pay on an average credit card or other form of unsecured debt.</p> </dd> </div> </dl> </div> </div> </div> </div> </div> <div class="button cmp-button--secondary c-align-center space-pb-30 auto-width aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <a id="button-5275223c4d" class="cmp-button" href="/home-loans/faqs/"> <span class="cmp-button__text">See More FAQs</span> </a> </div> </div> </div> </div> </div> </div>  </div> <div class="colctrlcomp aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <div style="background-color: #e7f1f9"> <div class="row"> <div class="col-md-12 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="custom-text text space-pt-30 space-pb-30 mobspace-pl-10 mobspace-pr-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h2 style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Light"><span class="spacetext-pb-10">Your Home Equity Loan Guide</span></span></span></h2> <p style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">Find more in-depth information about home equity loans, different home equity products, and market insights.</span></span><br /> </p> </div> </div> <div class="list grid-container grid-item-title--hyperlink aem-GridColumn aem-GridColumn--default--12"> <ul class="cmp-list"> <li class="cmp-list__item"> <article> <div class="grid-item-img"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="image aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="image" 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<ul> <li>PO Box 29029</li> <li>Phoenix, AZ 85038-9029</li> </ul> </dd> </div> </dl> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid align-center align-right equal-width space-pb-30 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--4 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--default--3 aem-GridColumn--offset--default--1"> <div id="Footer-social-icons" class="cmp-container"> <div class="aem-Grid aem-Grid--3 aem-Grid--tablet--4 aem-Grid--default--3 aem-Grid--phone--12 "> <div class="experiencefragment aem-GridColumn--phone--12 aem-GridColumn--tablet--4 aem-GridColumn aem-GridColumn--default--3"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="dhl-modal aem-GridColumn aem-GridColumn--default--12"> <section class="modals-wrapper"> <div class="modal 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Round value to the nearest dollar amount. </p> </div> </div> </div> </div> </div> </div> </div> </section></div> </div> </div> </div> <div class="custom-text text aem-GridColumn--phone--12 aem-GridColumn--tablet--4 aem-GridColumn aem-GridColumn--default--3"> <div class="cmp-text" style="background-color:"> <p><a href="https://x.com/discover">twitter</a> <span class="sr-only">twitter icon</span></p> <p><a href="https://www.facebook.com/discover">facebook</a> <span class="sr-only">facebook icon</span></p> <p><a href="https://www.youtube.com/discover">youtube</a> <span class="sr-only">youtube icon</span></p> <p><a href="https://linkedin.com/company/discover-financial-services">linkedin</a> <span class="sr-only">linkedin icon</span></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="separator aem-GridColumn--phone--hide aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div id="separator-af59113c9d" 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