Home Loans – Tap Into Your Equity

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Since a home equity loan or refinance is a debt secured using your home as collateral, the average interest rate is typically lower than what you may pay on a credit card or other form of unsecured debt. You will be able to check the status of your application or funded loan 24/7 on our secure website, and you will have access to our 100% U.S. based customer service agents." } },{ "@type": "Question", "name": "Can I submit documents online during the application process?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. You can submit your documents online using our secure website: Homeloans.discover.com/accountcenter. Submitting documents online will help speed up the processing of your loan requests. 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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><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold"><span class="spacetext-pb-10">Mortgage Refinance</span></span></span></h4> <h5><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal">Refinance your mortgage and unlock cash from your home equity.</span> </span><span style="color: rgb(36,119,171);"><span class="MetaWebPro-Bold"><a href="https://www.discover.com/home-loans/rates/refinance-rates/">Check rates & terms.</a></span></span></span></h5> </div> </div> <div class="button cmp-button--primary c-align-left dhl-apply-now auto-width aem-GridColumn--phone--hide aem-GridColumn--phone--6 aem-GridColumn--offset--phone--3 aem-GridColumn aem-GridColumn--default--12"> <a id="button-fb20fa0b3b" class="cmp-button" 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style="background-color:"> <h5 style="text-align: center;"><span class="MetaWebPro-Bold">Loan Amounts starting at<br /> $35,000</span></h5> </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--11 "> <div class="image space-pr-20 space-pl-20 space-pb-20 width-auto align-center-img mobspace-pt-10 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/_jcr_content/root/responsivegrid/container_1538157922/container_copy/colctrlcomp_copy/par_1/image_copy_copy_copy.coreimg{.width}.svg/1697787916674/lock-percent.svg" data-asset="/content/dam/dfs/dfs-home-loans/icons/Lock-Percent.svg" data-asset-id="30060848-f6f3-41da-a3b6-5aaf9205eba0" data-title="Low fixed Rates" id="image-59e1e7dd6a" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/_jcr_content/root/responsivegrid/container_1538157922/container_copy/colctrlcomp_copy/par_1/image_copy_copy_copy.coreimg.svg/1697787916674/lock-percent.svg" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt="Low fixed Rates"/> </div> </div> <div class="custom-text text space-pb-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:"> <h5 style="text-align: center;"><span class="MetaWebPro-Bold">Fixed APRs starting at<br /> <span class="first_lien_min">x.xx</span>% APR for 1st lien and<br /> <span class="second_lien_min">x.xx</span>% APR for 2nd lien</span><br /> </h5> </div> </div> <div class="custom-text text space-pt-10 aem-GridColumn--default--none 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data-cmp-src="/content/discover/en/home-loans/_jcr_content/root/responsivegrid/container_1538157922/container_copy/colctrlcomp_copy/par_2/image_copy_copy_copy_848282919.coreimg{.width}.svg/1697614284070/homepage-dollar-icon.svg" data-asset="/content/dam/dfs/dfs-home-loans/icons/homepage-dollar-icon.svg" data-asset-id="0be008e6-c08d-4be7-9c36-4beef2db9d4d" data-title="Zero Origination Fees" id="image-e6296e9d76" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/_jcr_content/root/responsivegrid/container_1538157922/container_copy/colctrlcomp_copy/par_2/image_copy_copy_copy_848282919.coreimg.svg/1697614284070/homepage-dollar-icon.svg" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt="Zero Origination Fees"/> </div> </div> <div class="custom-text text mobspace-pb-20 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:"> <h5 style="text-align: center;"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Bold">Zero Origination Fees<br /> Zero Appraisal Fees<br /> Zero Costs Due at Closing </span></span></h5> </div> </div> </div> </div> </div> </div>  </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="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 style="color: 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data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/product-pages-use-our-calculator/master/jcr:content/root/colctrlcomp_19179037/par_0/colctrlcomp_copy/par_0/button_copy_copy"> <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-fc79525f09" class="cmp-button" href="https://www.discover.com/home-equity-loans/debt-consolidation-calculator/" data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/product-pages-use-our-calculator/master/jcr:content/root/colctrlcomp_19179037/par_0/colctrlcomp_copy/par_0/button_copy_copy_cop"> <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-7c82bade61" class="cmp-button" href="/home-loans/home-equity-loan-monthly-payment-calculator/" data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/product-pages-use-our-calculator/master/jcr:content/root/colctrlcomp_19179037/par_0/colctrlcomp_copy/par_1/button_copy_84047058"> <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-c40c46a02b" class="cmp-button" href="https://www.discover.com/home-loans/cash-out-refinance-calculator/" data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/product-pages-use-our-calculator/master/jcr:content/root/colctrlcomp_19179037/par_0/colctrlcomp_copy/par_1/button_copy_84047058_497296450"> <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-pt-20 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 style="color: rgb(41,48,51);"><span class="MetaWebPro-Light">Achieve your goals with a low fixed rate loan</span></span></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;"><span class="spacetext-pb-10">Here's an example based on our average customer who gets a home equity loan for debt consolidation:<sup>1</sup></span></h4> <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="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-1d46becffa" class="cmp-container" style="background-color:#F0f0f0;"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pt-10 space-pb-0 space-pr-0 space-pl-0 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:#F0f0f0"> <h5 style="text-align: center;"><span class="MetaWebPro-Bold">Current Payments</span></h5> </div> </div> <div class="custom-text text space-pt-0 space-pb-0 space-pr-0 space-pl-0 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:#F0f0f0"> <p style="text-align: center;">credit cards and loans</p> <p style="text-align: center;"><span class="spacetext-pb-10">totaling $<span class="total_loan_amount">xx,xxx</span></span></p> </div> </div> </div> </div> </div> <div class="custom-text text space-pt-10 mobspace-pb-20 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <h4 style="text-align: center;"><span style="color: rgb(41,48,51);"><span style="color: rgb(41,48,51);"><span class="MetaWebPro-Normal"><span class="spacetext-pb-10"><b>$<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">Minimum Monthly Payments</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="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-e967741b6f" class="cmp-container" style="background-color:#2477ab;"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pt-10 space-pb-0 space-pr-0 space-pl-0 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:#2477ab"> <h5 style="text-align: center;"><span style="color: rgb(255,255,255);"><span class="MetaWebPro-Bold">New Lower Payment</span></span></h5> </div> </div> <div class="custom-text text space-pt-0 space-pb-0 space-pr-0 space-pl-0 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:#2477ab"> <p style="text-align: center;"><span class="spacetext-pl-10"><span style="color: rgb(255,255,255);">from Discover, 2nd lien, $<span class="total_loan_amount">xx,xxx</span></span></span></p> <p style="text-align: center;"><span class="spacetext-pl-10"><span style="color: rgb(255,255,255);"><span class="spacetext-pb-10">at <span class="second_lien_apr_fla">x.xx</span>% APR<sup>1</sup>, 30 year term</span></span></span></p> </div> </div> </div> </div> </div> <div class="custom-text text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:#f7fafd"> <h4 style="text-align: center;"><span style="color: rgb(255,96,0);"><span style="color: rgb(41,48,51);"><span class="spacetext-ptb-10"><span class="MetaWebPro-Bold"><b>$<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">Fixed Monthly Payment</span></span></p> <p style="text-align: center;"><span class="spacetext-pb-20"><span class="spacetext-pl-10"><span class="spacetext-pr-10">(excludes taxes and insurance)</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-57c3377b54" class="cmp-button" href="/home-loans/home-equity-loan-monthly-payment-calculator/" data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/product-pages-tabs-consolidate-your-debts/master/jcr:content/root/colctrlcomp_16741401/par_0/button_copy"> <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>Renovate or expand your living space with a loan amount and monthly payment that work for your budget.<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">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-978054b2b0" class="cmp-button" href="/home-loans/rates/" data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/product-pages-tabs-consolidate-your-debts/master1/jcr:content/root/colctrlcomp_16741401/par_0/button_copy"> <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-f79358275d" class="cmp-button" href="/home-loans/rates/" data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/product-pages-tabs-consolidate-your-debts/master2/jcr:content/root/colctrlcomp_16741401/par_0/button_copy"> <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-cdd284ba07" class="cmp-button" href="/home-loans/rates/" data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/product-pages-tabs-consolidate-your-debts/master3/jcr:content/root/colctrlcomp_16741401_884476343/par_0/button_copy"> <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 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--tablet--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">Here's what customers say about Discover Home Loans</span></span></h2> </div> </div> <div class="colctrlcomp max-width-940 dlr0-mlr10 aem-GridColumn--phone--hide aem-GridColumn--tablet--10 aem-GridColumn--default--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--offset--tablet--1">  <div class="container-fluid"> <div class="row"> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <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--11 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--offset--phone--1 aem-GridColumn--default--11"> <div class="cmp-text" style="background-color:"> <p><span class="spacetext-pb-10"><span class="MetaWebPro-Bold">Easy process and very quick to get the loan completed.</span> Everyone I spoke with was easy to work with as well.</span></p> <p><b><i>Lisa J., IL, 12/18/2024</i></b></p> </div> </div> </div> </div> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <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--11 aem-GridColumn--offset--default--0"> </div> <div class="custom-text text space-pt-10 space-pb-20 space-pr-10 space-pl-10 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span class="spacetext-pb-10"><span class="MetaWebPro-Bold">Each representative that assisted with my loan,</span> regardless of how small or big the work was, was done with exceptional care, dedication and professionalism.</span></p> <p><i><span class="MetaWebPro-Bold">Eveth R., DE, 12/15/2024</span></i></p> </div> </div> </div> </div> <div class="col-md-4 col-sm-12 dhl-col-cntl"> <div class="aem-Grid aem-Grid--11 aem-Grid--default--11 "> <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--11 aem-GridColumn--offset--default--0"> </div> <div class="custom-text text space-pt-10 space-pb-30 space-pl-10 aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--11 aem-GridColumn--offset--phone--0"> <div class="cmp-text" style="background-color:"> <p><span class="spacetext-pb-10"><span class="MetaWebPro-Bold">Being able to do everything online was a big plus.</span> Everything was very straightforward and easy.</span></p> <p><i><span class="MetaWebPro-Bold">Randall S., CA, 12/11/2024</span></i><br /> </p> </div> </div> </div> </div> </div> </div>  </div> <div class="colctrlcomp aem-GridColumn--phone--none aem-GridColumn--default--hide aem-GridColumn--phone--12 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data-cmp-data-layer="{"carousel-542e8a2738-item-038437b1ae":{"@type":"dfs-home-loans/components/gen-components/carousel/item","repo:modifyDate":"2020-03-26T06:14:35Z"}}" 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--12 aem-GridColumn--offset--default--0"> <div class="cmp-text" style="background-color:"> <p style="text-align: center;"><span class="spacetext-pb-10"><span class="MetaWebPro-Bold">Easy process and very quick to get the loan completed.</span> Everyone I spoke with was easy to work with as well.</span></p> <p style="text-align: center;"><span class="MetaWebPro-Bold"><span class="spacetext-pb-30"><i>Lisa J., IL, 12/18/2024</i></span></span></p> </div> </div> </div> </div> </div> </div>  </div> </div> <div class="cmp-carousel__item" role="tabpanel" aria-labelledby="carousel-542e8a2738-item-f2d71748db-tab" aria-roledescription="slide" aria-label="Slide 2 of 3" data-cmp-data-layer="{"carousel-542e8a2738-item-f2d71748db":{"@type":"dfs-home-loans/components/gen-components/carousel/item","repo:modifyDate":"2020-03-26T06:15:45Z"}}" 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="spacetext-pb-10"><span class="MetaWebPro-Bold">Each representative that assisted with my loan,</span> regardless of how small or big the work was, was done with exceptional care, dedication and professionalism.</span></p> <p style="text-align: center;"><span class="spacetext-pb-30"><span class="MetaWebPro-Bold"><i>Eveth R., DE, 12/15/2024</i></span></span></p> </div> </div> </div> </div> </div> </div>  </div> </div> <div class="cmp-carousel__item" role="tabpanel" aria-labelledby="carousel-542e8a2738-item-3ae68bfc54-tab" aria-roledescription="slide" aria-label="Slide 3 of 3" data-cmp-data-layer="{"carousel-542e8a2738-item-3ae68bfc54":{"@type":"dfs-home-loans/components/gen-components/carousel/item","repo:modifyDate":"2020-03-26T06:05:01Z"}}" 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="spacetext-pb-10"><span class="MetaWebPro-Bold">Being able to do everything online was a big plus.</span> Everything was very straightforward and easy.</span></p> <p style="text-align: center;"><span class="spacetext-pb-30"><span class="MetaWebPro-Bold"><i>Randall S., CA, 12/11/2024</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-542e8a2738-item-038437b1ae-tab" class="cmp-carousel__indicator cmp-carousel__indicator--active" role="tab" aria-controls="carousel-542e8a2738-item-038437b1ae-tabpanel" aria-label="Slide 1" data-cmp-hook-carousel="indicator"></li> <li id="carousel-542e8a2738-item-f2d71748db-tab" class="cmp-carousel__indicator" role="tab" aria-controls="carousel-542e8a2738-item-f2d71748db-tabpanel" aria-label="Slide 2" data-cmp-hook-carousel="indicator"></li> <li id="carousel-542e8a2738-item-3ae68bfc54-tab" class="cmp-carousel__indicator" role="tab" aria-controls="carousel-542e8a2738-item-3ae68bfc54-tabpanel" aria-label="Slide 3" data-cmp-hook-carousel="indicator"></li> </ol> </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-bd1fd4c03a" 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/_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-180e82f8f2" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/_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/_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-5dd30bba1e" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/_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/_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-bac52adfa6" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/discover/en/home-loans/_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-a599d1c0ea" class="cmp-button" href="https://www.discover.com/home-loans/application-checklist/" data-current-resource="/content/discover/en/home-loans/jcr:content/root/responsivegrid/container_1189582390/button_copy_18060010"> <span class="cmp-button__text">Get Your Application Checklist</span> </a> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-20afb407c8" 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 style="color: rgb(255,255,255);"><span class="MetaWebPro-Light"><span class="spacetext-ptb-10">Frequently Asked Questions</span></span></span></h2> </div> </div> </div> </div> </div> <div class="colctrlcomp dtb0-mtb0 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 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-76e9e7bf4e" 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-76e9e7bf4e-item-0104620805":{"@type":"dfs-home-loans/components/gen-components/accordion/item","repo:modifyDate":"2022-12-05T11:07:56Z","dc:title":"What are the benefits of a home loan from Discover?"}}" data-cmp-expanded> <h2 class="cmp-accordion__header"> <button id="accordion-76e9e7bf4e-item-0104620805-button" class="cmp-accordion__button cmp-accordion__button--expanded" type="button" aria-controls="accordion-76e9e7bf4e-item-0104620805-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">What are the benefits of a home loan from Discover?</span> <span class="cmp-accordion__icon"></span> </button> </h2> <div data-cmp-hook-accordion="panel" id="accordion-76e9e7bf4e-item-0104620805-panel" class="cmp-accordion__panel cmp-accordion__panel--expanded" role="region" aria-labelledby="accordion-76e9e7bf4e-item-0104620805-button"><div class="contentfragment"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/faqs-answers/home-loans-page-faqs" 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>Benefits of a <a href="/home-loans/home-equity-loan/">home equity loan</a> or <a href="https://www.discover.com/home-loans/refinance/">mortgage refinance</a> from Discover include low fixed interest rates and $0 application fees, $0 origination fees, $0 appraisal fees, and $0 costs due at closing. Since a home equity loan or refinance is a debt secured using your home as collateral, the average interest rate is typically lower than what you may pay on a credit card or other form of unsecured debt. You will be able to check the status of your application or funded loan 24/7 on our secure website, and you will have access to our 100% U.S. based customer service agents.</p> </dd> </div> </dl> </div> </div> </div> <div class="cmp-accordion__item" data-cmp-hook-accordion="item" data-cmp-data-layer="{"accordion-76e9e7bf4e-item-961bcb8eca":{"@type":"dfs-home-loans/components/gen-components/accordion/item","repo:modifyDate":"2022-12-05T11:08:14Z","dc:title":"Can I submit documents online during the application process?"}}"> <h2 class="cmp-accordion__header"> <button id="accordion-76e9e7bf4e-item-961bcb8eca-button" class="cmp-accordion__button" type="button" aria-controls="accordion-76e9e7bf4e-item-961bcb8eca-panel" data-cmp-hook-accordion="button"> <span class="cmp-accordion__title">Can I submit documents online during the application process?</span> <span class="cmp-accordion__icon"></span> </button> </h2> <div data-cmp-hook-accordion="panel" id="accordion-76e9e7bf4e-item-961bcb8eca-panel" class="cmp-accordion__panel cmp-accordion__panel--hidden" role="region" aria-labelledby="accordion-76e9e7bf4e-item-961bcb8eca-button"><div class="contentfragment"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/faqs-answers/home-loans-page-faqs" 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>Yes. You can submit your documents online using our secure website: <a href="https://Homeloans.discover.com/accountcenter/">Homeloans.discover.com/accountcenter</a>. Submitting documents online will help speed up the processing of your loan requests. From our website, you can also view your loan status, check your To Do List, and more!</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-863ae1f79d" class="cmp-button" href="/home-loans/faqs/" data-current-resource="/content/discover/en/home-loans/jcr:content/root/responsivegrid/colctrlcomp_32212774/par_0/button_copy_14066682_1154980959"> <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 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data-cmp-lazythreshold="0" data-cmp-src="/content/experience-fragments/dfs/dfs-home-loans/how-home-equity-loans-work-rates-terms-repayment/heroimage-how-home-equity-loans-work-rates-terms-repayment-01/master/_jcr_content/root/image.coreimg.90{.width}.jpeg/1614199921434/cropped-shot-of-an-affectionate-young-couple-going-through-paperwork-while-doing-their-budget-at-home.jpeg" data-cmp-widths="940" data-asset="/content/dam/dfs/dfs-home-loans/images/articles/work-at-home/2-people/Cropped_shot_of_an_affectionate_young_couple_going_through_paperwork_while_doing_their_budget_at_home.jpg" data-asset-id="ef503c2f-bfa5-482a-9df2-2401ee6c720e" data-title="Young couple at table reviewing their home equity loan rates, terms, and repayment details" id="image-e35e56b8c8" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/experience-fragments/dfs/dfs-home-loans/how-home-equity-loans-work-rates-terms-repayment/heroimage-how-home-equity-loans-work-rates-terms-repayment-01/master/_jcr_content/root/image.coreimg.90.940.jpeg/1614199921434/cropped-shot-of-an-affectionate-young-couple-going-through-paperwork-while-doing-their-budget-at-home.jpeg" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt="Young couple at table reviewing their home equity loan rates, terms, and repayment details"/> </div> </div> </div> </div> </div> <div class="grid-item-text"> <p class="grid-item-tags">Mortgage Products</p> <a class="cmp-list__item-link" href="/home-loans/articles/how-home-equity-loans-work-rates-terms-repayment/"> <p class="grid-item-title">How do home equity loans work: Rates, terms and repayment</p> </a> </div> </article> </li> <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" data-cmp-lazythreshold="0" data-cmp-src="/content/experience-fragments/dfs/dfs-home-loans/cash-out-refinance-article/heroimage-cash-out-refinance-article-01/master/_jcr_content/root/image.coreimg.90{.width}.png/1614199911086/father-mother-and-son-playing-at-home.png" data-cmp-widths="940" data-asset="/content/dam/dfs/dfs-home-loans/images/articles/at-home/group/father_mother_and_son_playing_at_home.png" data-asset-id="a267c887-7a40-453e-9095-3cc9557c8dbe" data-title="Couple considering a cash out refinance" id="image-b6ef0fef45" class="cmp-image" itemscope itemtype="http://schema.org/ImageObject"> <img src="/content/experience-fragments/dfs/dfs-home-loans/cash-out-refinance-article/heroimage-cash-out-refinance-article-01/master/_jcr_content/root/image.coreimg.90.940.png/1614199911086/father-mother-and-son-playing-at-home.png" class="cmp-image__image" itemprop="contentUrl" data-cmp-hook-image="image" alt="Couple considering a cash out refinance"/> </div> </div> </div> </div> </div> <div class="grid-item-text"> <p class="grid-item-tags">Mortgage Products</p> <a class="cmp-list__item-link" href="/home-loans/articles/cash-out-refinance/"> <p class="grid-item-title">What is a cash out refinance?</p> </a> </div> </article> </li> </ul> </div> <div class="button cmp-button--secondary c-align-center space-pt-10 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-6ed4c1ae72" class="cmp-button" href="/home-loans/articles/" data-current-resource="/content/discover/en/home-loans/jcr:content/root/responsivegrid/colctrlcomp_91011900/par_0/button_copy"> <span class="cmp-button__text">Explore More</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-APRDisclosure"> <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> </div> </div> </div> </div> </section></div> </div> </div> </div> <div class="colctrlcomp aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <div style="background-color: #f8f8f8"> <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="container responsivegrid max-width-780 aem-GridColumn--phone--hide 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aria-label="Breadcrumb"> <ol class="cmp-breadcrumb__list" itemscope itemtype="http://schema.org/BreadcrumbList"> <li class="cmp-breadcrumb__item cmp-breadcrumb__item--active" itemprop="itemListElement" itemscope itemtype="http://schema.org/ListItem"> <span itemprop="name">Discover Home Loans</span> <meta itemprop="position" content="1"/> </li> </ol> </nav> </div> </div> </div> </div> </div> </div> </div> </div> </div> </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="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-0b1b2b3152" class="cmp-container" style="background-color:#FFFFFF;"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid max-width-780 space-pt-30 space-pb-10 mobspace-pb-20 aem-GridColumn aem-GridColumn--default--12"> <div id="container-1a2d9e3fd0" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid max-width-100-per space-pb-20 aem-GridColumn aem-GridColumn--default--12"> <div id="container-e5c2747af0" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="contentfragment MetaWebPro-Light fc-site-black aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--11 aem-GridColumn--offset--default--1"> <dl data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/common-data/prefooter-cf-01" 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;">Start your application online or give us a call.</h3> </dd> </div> </dl> </div> </div> </div> </div> <div class="colctrlcomp aem-GridColumn aem-GridColumn--default--12">  <div class="container-fluid"> <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="experiencefragment aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--4 aem-GridColumn--default--8 aem-GridColumn--offset--phone--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-7152bc80e2" class="cmp-button" href="https://homeloans.discover.com/web/dhl/apply/basicHomeInfo" data-analytics-label="GENERIC_GTSTARTED_XF_BDY_BTN" data-current-resource="/content/experience-fragments/dfs/dfs-home-loans/global/ApplyNow_button_xf_01/master/jcr:content/root/button"> <span class="cmp-button__text">Get Started</span> </a> </div> </div> </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 "> <div class="container responsivegrid mobspace-pt-20 aem-GridColumn aem-GridColumn--default--12"> <div id="container-1efb036eb7" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pb-20 h3-tag-style color-inherit aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:" id="phone-number"> <p style="text-align: center;"><span class="anchor-nounderline"><span class="sr-only">Phone-icon</span><a href="tel:18553613435">1-855-361-3435</a></span></p> </div> </div> </div> </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 "> <div class="container responsivegrid space-pr-20 mobspace-pr-0 aem-GridColumn aem-GridColumn--default--12"> <div id="container-1f588d30f3" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="contentfragment no-list-style aem-GridColumn aem-GridColumn--default--12"> <div data-path="/content/dam/dfs/dfs-home-loans/dhl-content-fragments/common-data/timings" class="cmp-contentfragment"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div> <ul><li style="text-align: center;">Weekdays 8am–Midnight ET</li><li style="text-align: center;">Weekends 10am–6pm ET</li></ul> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </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="container responsivegrid page-full-width aem-GridColumn aem-GridColumn--default--12"> <div id="container-fca4b63569" class="cmp-container" style="background-color:#F8F8F8;"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid align-center max-width-940 space-pt-20 space-pr-0 space-pl-0 space-pb-20 aem-GridColumn aem-GridColumn--default--12"> <div id="container-56045da8be" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="custom-text text space-pr-10 space-pl-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h4><span class="spacetext-pb-10">Discover Home Loans Restrictions and Details</span></h4> <p>We do not lend in IA or MD. You are not guaranteed approval. Once you apply and submit your credit and property information, we will confirm your eligibility. We don’t lend on cooperatives, condotels, investment properties, log homes, manufactured homes, mobile homes, or secondary homes. We will only originate one 1st lien mortgage per property per 12-month period. The maximum loan amount you qualify for will depend on additional factors, including type of loan, lien position, loan-to-value and your credit history. We may change rates, program terms, and conditions without notice. Discover Card accounts may not be paid off with this home loan. All loan programs are offered by Discover Bank, 2500 Lake Cook Road, Riverwoods, IL 60015. NMLS ID 684042.</p> <p> </p> </div> </div> <div class="custom-text text space-pr-10 space-pl-10 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-text" style="background-color:"> <h4><span class="spacetext-pb-10">Loan Payment Example Disclosure</span></h4> <p>For example, if you borrowed $60,000 for a 20 year term at 8.86% APR, your fixed monthly payments would be $534.45.</p> </div> </div> </div> </div> </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="container responsivegrid page-full-width aem-GridColumn aem-GridColumn--default--12"> <div id="main-dhl-footer" class="cmp-container" style="background-color:#FFF;"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid align-center max-width-940 space-pt-20 space-pr-10 space-pl-10 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cmp-contentfragment__element--Main"> <dt class="cmp-contentfragment__element-label">Main</dt> <dd class="cmp-contentfragment__element-value"> <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 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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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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 href="https://www.discover.com/home-loans/calculators/">Calculators Home</a></p> <p><a href="/home-loans/loan-amount-calculator/">Loan Amount Calculator</a><br /> </p> <p><a href="/home-loans/home-equity-loan-monthly-payment-calculator/">Rate & Payment Calculator</a></p> <p><a href="https://www.discover.com/home-equity-loans/debt-consolidation-calculator/">Debt Consolidation Calculator</a></p> <p><a href="https://www.discover.com/home-loans/affordability-calculator/">Affordability Calculator</a></p> <p><a href="https://www.discover.com/home-loans/refinance-savings-calculator/">Mortgage Refinance Calculator</a></p> <p><a href="https://www.discover.com/home-loans/cash-out-refinance-calculator/">Cash Out Refinance Calculator</a></p> </dd> </div> </dl> </div> </div> </div> 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