Discover Products Search Help Center 1-855-361-3435 Log In Home Equity Loans Mortgage Refinance Rates & Calculators Articles & More Get Started Home Loans from Discover Home loans that make you smile. Low Fixed Rates | Zero Origination Fees | Great Customer Service Home Equity Loans Keep your existing mortgage and get the cash you need. Learn More Get Started Mortgage Refinance Refinance your existing mortgage and get the cash you need. Learn More Get Started Loan Amounts from $35,000 to $300,000 Low Fixed Rates from 3.99% - 11.99% APR View APR Disclosure Zero Origination Fees Zero Appraisal Fees Zero Cash Due at Closing Get Your Loan Options in Minutes Get Started 1-855-361-3435 Weekdays 8am–Midnight ET Weekends 10am–6pm ET Use our calculators & see what you think Loan Amount Calculator See how much you could borrow Debt Consolidation Calculator Pay off debt & check your savings Rate & Payment Calculator Check your fixed rate & payment Cash–Out Refinance Calculator Turn your home equity into cash Here's what our customers are saying “Everyone from the initial phone call right up to the closing was knowledgeable, efficient, and most importantly kind.” Jonathan R, 01/28/20 “The communication was great and the ease of access to mortgage documents made the whole experience fantastic.” Andrea D, 02/22/20 “I will highly recommend you to others…I will be moving all of my banking to Discover in the next few months. Thank you all for everything!!!” Whende C, 03/20/20 One loan for multiple goals Consolidate Your Debts Improve Your Home Refinance Your Mortgage Pay for Major Expenses Our debt consolidation customers save an average of $718 on their monthly payments! Payment Comparison Example BEFORE $1,064 Monthly Payments From credit cards & loans totaling $49,491 AFTER $345 Fixed Monthly Payments 30 yr. term $49,491 at 7.49% APR (excludes taxes & insurance) Savings of $718 per month. That's $8,625 per year! More About Debt Consolidation Find your low, fixed rate Use our Rate Calculator to find the rate and monthly payment that fits your budget. Get Your Rate Estimate Applying is simple from start to finish Getting the Basics Around 1-2 Weeks Apply online or over the phone to review your loan options, then upload required documents. We’ll confirm your initial eligibility. Processing Your Info Around 2-3 Weeks We’ll gather third-party information about your home and then send your complete application to underwriting for a final decision. Closing Your Loan Around 1-2 Weeks We’ll contact you to schedule your closing and then arrange for your loan funds to be sent to your accounts. Get Your Application Checklist Frequently Asked Questions What are the benefits of a home loan from Discover? Benefits of a home equity loan or mortgage refinance from Discover may include lower interest rates and ZERO charges at closing. Since a home equity loan or refinance is a secured debt, the average interest rate is typically lower than what you'll pay on an average credit card or other form of unsecured debt. With Discover, you will not have to pay any application fees, origination fees, or appraisal fees. Additionally, a home loan with Discover also offers potential tax savings as interest payments may be tax deductible depending on how you use the loan. Consult your tax advisor as to the deductibility of your interest. Can I submit documents online during the application process? How do I figure out how much I can borrow? Check Our FAQs Your Guide to Home Lending Learn more about product options, using your equity wisely, and the home equity market. Using Your Equity How New Tax Bill Affects Home Equity Loan Borrowers Using Your Equity Using Home Equity to Finance Your Dream Wedding Check Out Our Articles Discover Home Loans Start your application online or give us a call. Get Started 1-855-361-3435 Weekdays 8am–Midnight ET Weekends 10am–6pm ET PO Box 29029 Phoenix, AZ 85038-9029 HOME LOANS Home Equity Loans Mortgage Refinance Home Loan Rates Home Equity Loan Rates Mortgage Refinance Rates Apply Now CALCULATORS Calculators Home Loan Amount Calculator Rate & Payment Calculator Debt Consolidation Calculator Affordability Calculator Mortgage Refinance Calculator Cash Out Refinance Calculator RESOURCE LINKS Application Checklist FAQs Contact Us Glossary Home Improvement Debt Consolidation Pay Major Expenses ALL PRODUCTS Home Loans Credit Card Online Banking Personal Loans Student Loans About Discover | Financial Education | Investor Relations | Newsroom | Careers Site Map | Contact Us | Ad Choices | Terms of Use | Privacy | Security Center | Disclosure Statement Home loans made by Discover Bank. ©2021 Discover Bank, Member FDIC | NMLS ID 684042