Last Updated: 12/20/2025
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Highlights
Community Rating
Strongly recommended
Credit Score Range
Starting at 640
Amount Range
$15,000 - $300,000
Maximum LTV
N/A
Loan Term (Years)
10 - 30
Number of Reviews
Achieve Home Equity Loans Review
Achieve Home Equity Loans is offered by Achieve (NMLS #1810501), a nonbank financial services provider founded in 2002 and based in Tempe, AZ. Achieve Home Equity Loans are available in 27 states.
Key Takeaways
- No primary residences considered. Achieve Home Equity Loans does not offer financing for primary homes.
- Fast process. In some cases you can close on your home loan within 1 business day.
- Origination fees of 2.5% to 3.5%. This is on the high end for lenders on SuperMoney's database. Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). All loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. Minimum 640 credit score applies for debt consolidation requests, minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 8.75% - 15.00% and are assigned based on underwriting requirements; offer APRs include a.50% discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). Example: average HELOC is $57,150 with an APR of 12.75% and estimated monthly payment of $951 for a 15-year loan. 10, 15, 20, and 30-year terms available (20 and 30 year terms only available for cash out requests). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied and combined loan-to-value ratio may not exceed 80%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Contact Achieve Loans for further details.
- Fair credit accepted. Borrowers with a credit score as low as 640 may qualify for Achieve Home Equity Loans.
- High maximum DTI ratio. Achieve Home Equity Loans requires a debt-to-income ratio of less than 50%. This ratio includes all your monthly debts, not just your proposed mortgage payment. Typically, lenders have a maximum DTI of 43% or lower.
Achieve Home Equity Loans Pros & Cons
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Achieve Home Equity Loans FAQ
How much can you borrow with a Achieve Home Equity Loans home equity loan?
A home equity loan allows homeowners to borrow money using their home as collateral (similar to a mortgage). Loan amounts vary depending on the value of the home minus the balance of any mortgages or liens on the property.
Achieve Home Equity Loans allows borrowers to apply for home equity loans of up to $300,000. The actual maximum loan amount will vary depending on the value of the property, how much you owe on it, and your creditworthiness.
Typically, borrowers with good credit can qualify for up to 85 percent of the value of the property less the balance on their first mortgage.Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate.
What is the estimated funding time for a home loan via Achieve Home Equity Loans?
Achieve Home Equity Loans will typically fund home equity loans within 1 day of approval.
What fees does Achieve Home Equity Loans charge for a home equity loan?
Achieve Home Equity Loans may charge a loan origination fee of 2.5% to 3.5% of the loan amount.
Is Achieve a legit company?
Achieve was founded in 2002, it is a well-established company that has been in business for 24 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
7:00AM - 4:00PM
Monday
6:00AM - 8:00PM
Tuesday
6:00AM - 8:00PM
Wednesday
6:00AM - 8:00PM
Thursday
6:00AM - 8:00PM
Friday
6:00AM - 8:00PM
Saturday
7:00AM - 4:00PM
Other Services by Achieve
Personal Loans
9
9
19 Reviews
Home Equity Lines of Credit
Rating not yet determined (1 Review)
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +100, or 5 on a 5-point rating scale.
+100
-1000+100
No one recommends
Everyone recommends
Achieve Home Equity Loans Community Reviews
Would you recommend Achieve Home Equity Loans to your friends?
PR
Praise R.
Dec 19, 2025
May or may not recommend
I’ve never had a loan process go this smoothly. From the initial 2-minute quote to the mobile notary coming to my house for the final signatures, everything was top-notch. I had the funds in my account in just over a week. The team kept me updated every single day. Highly recommend for their speed and professionalism!
AB
Abraham B.
Dec 19, 2025
May or may not recommend
I was overwhelmed with credit card interest until I found Achieve home equity. My advisor, Brianne, was incredibly patient and walked me through the entire fixed-rate process. I consolidated $45,000 of high-interest debt into one manageable payment. The peace of mind I have now is priceless. If you’re serious about getting your finances back on track, this is the team to call!
DK
David K.
Dec 19, 2025
May or may not recommend
I had a decent experience with Achieve Homes Equity, but I think it’s important for people to know they only operate in about half the states. I tried to help my sister get a loan through them for her home in a different state and she wasn't eligible. For my own loan, the service was 5-star, but the limited availability and the high closing costs bring it down to a ...Show More
JM
Joy M.
Dec 19, 2025
May or may not recommend
The company is professional and legitimate, and the mobile notary they sent to my house was great. But be aware: if you’re using this for debt consolidation, they are very strict about paying the creditors directly. I was hoping for more flexibility with how I managed the cash. It’s a bit of a 'hand-holding' process. Good service, but a bit too restrictive for my personal preference.
JF
Jude F.
Dec 19, 2025
May or may not recommend
I was rejected by my primary bank for a HELOC because my credit score was in the high 600s, but Achieve was able to work with me. The process was surprisingly digital and fast, I had the funds in my account in about 12 days. I'm giving 4 stars because the origination fee is definitely on the higher side, but they provided a solution when no one else would. Great ...Show More
PM
Phobe M.
Dec 19, 2025
May or may not recommend
I had a good experience using them for a home project. The team was professional and the funding was quick. It’s a great 'middle ground' lender, easier to get approved than a big bank, but with better service than most online-only lenders. The 3.5% fee is a bit of a sting at the beginning, but the interest savings over the next 10 years will more than make up for it.
C.
Collins .
Dec 19, 2025
May or may not recommend
Achieve Home Equity is perfect if you’re looking to simplify your bills. They actually coordinated paying off my creditors directly, which saved me a lot of manual work. The customer service is top-notch. I’m knocking off one star just because they only offer loans in certain states and don't do secondary residences, so make sure you check your eligibility first.
DB
Daniel B.
Dec 19, 2025
May or may not recommend
Overall a very solid experience. The digital portal is easy to use and I liked that I could track my application status in real-time. My advisor was helpful and didn't push me into anything I didn't want. It’s a 4-star experience for me because of the closing costs, but I really appreciate the fixed monthly payments, no more worrying about variable rate hikes!
CK
Comfort K.
Dec 19, 2025
May or may not recommend
I needed to move fast to pay off some high-interest debt before my rates went up again, and they delivered. I was funded in about 10 days, which is much faster than my local bank promised. I’m giving 4 stars instead of 5 only because the origination fee is a bit higher than I’d like, but for the speed and the fixed rate, it was a trade-off I was willing ...Show More
PM
Paul M.
Dec 18, 2025
May or may not recommend
If you don’t have a 750+ credit score, it’s hard to find a good home equity product. Achieve was one of the few places that actually worked with my 660 score. The advisor was great and explained the whole process clearly. The only downside was the amount of paperwork they kept asking for during underwriting, but in the end, they got me the money I needed to consolidate my cards.
DS
Daisy S.
Dec 18, 2025
May or may not recommend
I needed to move fast to pay off some high-interest debt before my rates went up again, and Achieve delivered. I was funded in about 10 days, which is much faster than my local bank promised. I’m giving 4 stars instead of 5 only because the origination fee is a bit higher than I’d like, but for the speed and the fixed rate, it was a trade-off I was willing ...Show More
JC
John C.
Dec 18, 2025
May or may not recommend
Achieve is excellent if you need money quickly. The process took less than two weeks for me, which is lightspeed compared to traditional banks. Just be aware that the origination fees (around 3.5%) are a bit higher than what you might find at a credit union. If you're okay with the upfront cost in exchange for speed and a simple approval process, they are a solid choice
WS
Walter S.
Dec 18, 2025
May or may not recommend
Achieve Home Equity Loans stands out for homeowners who want reliable funding without refinancing their existing mortgage. The online application is simple, approvals are fast, and fixed rates provide predictable monthly payments. With flexible terms up to 30 years and support from dedicated advisors, Achieve offers a confident, hassle-free way to put your home equity to work.
TM
Tehilah M.
Dec 18, 2025
May or may not recommend
I used Achieve Home Equity for debt consolidation and it worked exactly as advertised. The fixed monthly payment is much easier to manage. My only critique is that they are strict about using the funds for consolidation if your credit isn't perfect, and the state availability is limited. Overall, a very reliable lender that does what they say they will, even if the rates aren't the absolute lowest on the ...Show More
BF
Beulah F.
Dec 18, 2025
May or may not recommend
I was drowning in high-interest credit card debt and felt like I was never making progress. Achieve helped me consolidate everything into one fixed monthly payment that actually fits my budget. I’m saving nearly $800 a month compared to what I was paying before. It’s a huge weight off my shoulders to finally have a clear path to being debt-free!"
VJ
Victoria J.
Dec 18, 2025
May or may not recommend
Professional, fast, and transparent. Achieve made consolidating my debt simple and the fixed rate gives me total peace of mind. 5/5 stars!
RM
Richard M.
Dec 18, 2025
May or may not recommend
After being turned down by my local bank because my credit score wasn't 'perfect,' I tried Achieve. They looked at my whole financial picture, not just a number. I got approved for a fixed-rate loan that is saving me hundreds a month on interest. Really grateful for a company that helps everyday people get ahead.
MA
Mercy A.
Dec 18, 2025
May or may not recommend
I was super impressed with how easy Achieve made the closing. They actually sent a mobile notary to my house to sign the final documents, which saved me so much time. From the initial 2-minute quote to the final funding, the communication was top-notch. If you want a lender that respects your time, this is the one.
SB
Silas B.
Dec 18, 2025
May or may not recommend
I used Achieve to consolidate some high-interest credit card debt, and I couldn’t be happier. The process was incredibly fast. I was funded much sooner than I expected. My mortgage advisor was helpful and kept me updated the whole time. It feels amazing to have one lower, fixed monthly payment instead of juggling multiple bills!
CP
Cindy P.
Dec 18, 2025
May or may not recommend
I had a really smooth experience with Achieve Home Equity Loans; their team was responsive, clear, and genuinely supportive from start to finish.
They walked me through every step, explained the terms transparently, and made the process far easier than I expected.
With fast funding, professional service, and real human support, Achieve truly delivers when you need access to your home’s equity.
Showing 20 of 22 reviews
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