Why Work with Town Team?​

You’ve worked hard to build equity in your home, now let that equity work for you. Whether you’re planning a major renovation, consolidating high-interest debt, or preparing for life’s big milestones, Town Team Mortgage provides flexible second-mortgage options that let you keep your low first-mortgage rate intact.​

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Two Ways to Access Your Equity

Not sure which option is right for you? Here is how we help you "Beat the Bank" with the two most popular equity products:

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Home Equity Line of Credit (HELOC)

A HELOC works like a credit card secured by your home. You are approved for a specific limit and can draw exactly what you need, when you need it.

• Best For: Ongoing projects, emergency funds, or variable expenses like tuition.

• The Advantage: You only pay interest on the amount you actually use. As rates trend lower in 2026, a variable-rate HELOC allows you to benefit from falling interest costs automatically.

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Home Equity Loan (HELOAN)

A HELOAN provides a one-time lump sum of cash at a fixed interest rate.

• Best For: Large, one-time expenses with a clear cost, such as a roof replacement or major debt consolidation.

• The Advantage: You get the peace of mind of a predictable, "set-it-and-forget-it" monthly payment that will never change.

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The Town Team Advantage

• Preserve Your Low First-Mortgage Rate: If you have a 3% or 4% rate on your primary mortgage, you don't want to lose it. Our equity products sit "behind" your current loan, allowing you to access cash without touching your primary rate.

• Up to 95% LTV Options: While big banks often cap your borrowing at 80% of your home's value, Town Team's products allow qualified borrowers to access up to 95% of their equity.

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What Can You Do With Your Equity?

• Home Improvements: Add value to your property with a kitchen remodel or new deck.

• Debt Consolidation: Pay off high-interest credit cards (often 20%+) with a much lower-interest equity loan.

• Major Life Events: Fund weddings, dream vacations, or college tuition.

• Financial Safety Net: Keep a HELOC open for "just in case" peace of mind.

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Get a Quote in 24 Hours or Less.

Don’t leave money on the table. Join the thousands of Chicagoland homeowners who have worked with Barry and Zach.

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REQUEST YOUR FREE CONSULTATION TODAY!

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