top of page


We just need a little bit of basic information from you. 

Your information
How would you like us to contact you?
Address of Property
Is this your primary residence?
Employment Information
Spouse Information
Are you married?

Thank you for your application. You will hear from a Token Home Equity representative within 24 hours.

By continuing, you consent to our using of consumer reporting agencies, like Experian and Equifax, to make a credit inquiry and to verify your employment and income. You also agree to our E-SIGN Consent, Privacy Policy, and Terms of Use.


Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, Equal Housing Lender.


You authorize your wireless carrier to use/disclose info about your account & device to Mortgage Token Inc. and its affiliates & service providers. See Privacy Policy for details.


Applicants, if married, may apply for a separate account.


You have 30 days from the date you submit personal information to complete your application.


The Annual Percentage Rate (APR) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. As of November 3, 2022, the variable rate for Home Equity Lines of Credit ranged from 7.95% APR to 11.70% APR. Rates may vary due to a change in the Prime Rate, a credit limit below $100,000, a loan-to-value (LTV) above 70% and/or a credit score less than 730. A U.S. Bank personal checking account is required to receive the lowest rate, but is not required for loan approval. Customers in certain states are eligible to receive the preferred rate without having a U.S. Bank personal checking account. The rate will never exceed 18% APR, or applicable state law, or below 3.25% APR. Choosing an interest-only repayment may cause your monthly payment to increase, possibly substantially, once your credit line transitions into the repayment period. Repayment options may vary based on credit qualifications. Interest-only repayment may be unavailable. Loans are subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rates and program terms are subject to change without notice. Credit line may be reduced or additional extensions of credit limited if certain circumstances occur.


Mortgage Token and its representatives do not provide tax or legal advice. Your tax and financial situation is unique. You should consult your tax and/or legal advisor for advice and information concerning your particular situation.


Recent Home Buyer

“After I bought my home, it felt like all my money was tied up. But I still wanted to remodel small items in my home. A Token Home Equity loan helped me accomplish my small remodeling goals and make the house feel more like mine.”


Jessica, West Bloomfield MI

Long Time Homeowner

“I was looking to remodel my kitchen, but did not want to pull a full home equity loan. I knew my budget and had the extra funds set aside to complete my task. I could have just placed the remaining budget on a credit card, but I decided to take out a Token Home Equity loan. I am so happy I made the decision to do so. With low-interest rates my remodeling project became long-term affordable.”


Dylan, San Fransisco CA

Loan Originator

“A home equity loan can be a great tool for homeowners to use, but they typically require a lot of paperwork and time. In the past year, my customers have been asking for a product that is quick, easy and allows them to take out a smaller amount than a traditional home equity loan. Now all I have to do is send them a link and Token Home Equity does the rest.”


Robert, Pontiac MI

Thanks for submitting!

bottom of page