Borrow against your home’s equity with a revolving credit line you can use as needed
Need Funding Fast? Home Equity Could Be the Answer
Written by Ryan Eagle
Updated on March 24, 2026
Tapping into your home’s equity is a major financial decision — and choosing the right lender for a HELOC can make the process smoother and more cost-effective.
What is CrossCountry Mortgage?
CrossCountry Mortgage is one of the largest mortgage lenders in the U.S., offering a wide range of home loan options for buyers, homeowners, and people looking to tap into their home equity. A CrossCountry Mortgage HELOC (Home Equity Line of Credit) is a revolving line of credit that lets you borrow against the equity you’ve built in your home. Instead of receiving a lump sum upfront, you’re approved for a credit limit and can draw funds as needed during the draw period, paying interest only on the amount you use!
Bottom Line:
Flexible Access To Cash
Potentially Lower Rates Than Credit Cards
HELOCs often offer lower interest rates than unsecured borrowing, and interest may be tax-deductible if used for eligible home improvements (consult a tax advisor).
Good Credit Typically Required
Most borrowers will need good credit (often 670+), solid income, and sufficient home equity to qualify.
Rates Aren’t Posted Online
You’ll need to request a personalized quote — and it’s smart to compare multiple lenders before deciding.
How to Apply
- Check eligibility: Submit income and credit info to see how much you may qualify for.
- Complete the application: Provide required documents like pay stubs and mortgage statements.
- Home valuation and review: CrossCountry will confirm your home’s value and available equity.
- Finalize and access funds Sign closing paperwork and begin using your HELOC credit line.
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC NMLS3029
4.8/5.0
- Borrow $25K–$750K, up to 90% of your home’s value, with flexible product options
- Choose fixed-rate terms up to 30 years or interest-only draw periods for payment flexibility
- Use funds for renovations, debt consolidation, major expenses, or investments
- Get fast access to cash, with select programs funding in days and flexible income documentation