/ Limited-Time Offers
25 BPS Off Rate on All Eligible Home Equity Loans Through October 7 and 75 BPS Off Price on All DSCR Loans Through October 31
Lock your rate in EMMA today!
Grow Your Business With Spring EQ
/ Why Spring EQ
Everything You Need to Succeed
Whether you’re exploring a new lending partner or ready to get started, you’ll find the products, resources, and support you need to close more loans and grow your business with confidence.
/ Get Started with Spring EQ
Why Partners Choose Spring EQ
We’re committed to making lending easier, helping you deliver an exceptional borrower experience while growing your business.
We offer a full suite of home financing solutions, including:
- HELOCs
- HELOANs
- FIXLINE
- DSCR
- Piggyback purchases
- Standalone second liens
- First-lien HELOCs
Become A Partner
Start offering flexible home equity and non-QM lending solutions backed by competitive pricing, innovative technology, and dedicated support.
Get Credentials
Need to get setup with portal access? Our team can help!
See Rates, Fees, and Guidelines
Check out our current rate tables, fees, matrices, and underwriting guidelines.
Lock Extension Request
Need to extend a rate? Fill out a brief form that must be sent by 5:00 p.m. ET on or before the day of the lock expiration.
/ Spring EQ Webinars
Register for Upcoming Webinars and View Past Sessions
/ Spring EQ Turn Times
Current Spring EQ Turn Times
- Initial Submission Review: 48-72 hours
- Underwriting — Purchase: 2 business days
- Underwriting — Stand-Alone and Refi Piggybacks: Averaging 3 calendar days in UW — 3 business days
- Underwriting — DSCR: Averaging 2 calendar days in UW — 2 business days
- Condition Turn Time: 24-48 hours
- Resubmissions to Underwriting: 2 business days
/ Spring EQ Products and Compensation
Home Equity 101
Get up to speed on home equity products, how compensation is earned, and more!
- What’s the difference between a home equity line of credit (HELOC) and a home equity loan (HELOAN)?
- What type of home equity product is best for your borrowers?
- How is compensation earned on Spring EQ’s home equity products?
/ Why Spring EQ?
Awards & Accreditations
Our Fixed-Rate HELOC loans combine the advantages of predictable payments with the flexibility often found only in variable-rate lines of credit.
