Introducing SNEquity: A Smarter Way to Access Your Home’s Equity
For many homeowners and real estate investors, home equity represents one of the most underutilized financial assets they own. Today, SecurityNational Mortgage Company is changing how you access it.
We’re proud to introduce SNEquity — a fully digital Home Equity Line of Credit designed to deliver speed, flexibility, and a seamless borrowing experience from application to funding.
A Modern HELOC Built for Today’s Borrower
SNEquity eliminates the inefficiencies of the traditional home equity process. There are no branch visits, no lengthy paper trails, and no unnecessary delays. Through automated employment and income verification, most borrowers can move from application to closing in a matter of days.
Loan amounts range from $25,000 to $500,000, with a 5-year interest-only draw period followed by a 25-year fully amortizing repayment period — giving borrowers both immediate access to capital and a clear, long-term repayment structure.
Key Features at a Glance
Fully Digital Process SNEquity was built end-to-end for the digital experience. Income verification is handled automatically through third-party platforms, with options for both wage earners and self-employed borrowers. The result: less paperwork, fewer delays, and a process that works around your schedule.
Substantial Borrowing Power With access to up to $500,000, SNEquity is built for meaningful financial decisions — whether that’s a major renovation, debt consolidation, a business investment, or leveraging equity to expand a real estate portfolio.
Investment Property Eligible This is a significant differentiator. SNEquity is available for owner-occupied homes, second homes, and investment properties — a feature that is uncommon among HELOC products in today’s market. Eligible property types include single-family residences, 2–4 unit properties, PUDs, and condos.
First or Second Lien Position SNEquity can be structured in either lien position, providing flexibility to work within your existing financing structure.
Flexible Eligibility Credit scores starting at 640 are accepted, and multiple income documentation paths are available — including payroll system integration, The Work Number, recent paystubs with a W-2, or two years of tax returns for self-employed borrowers. U.S. citizens, permanent resident aliens, and non-permanent resident aliens* with established U.S. credit are all eligible. Co-borrowers are also permitted.
Efficient Valuation Property values are established through an Automated Valuation Model (AVM) for most transactions, removing the time and cost of a traditional appraisal. When AVM results are unavailable, a Broker Price Opinion (BPO) is used in its place.
Who SNEquity Is Designed For
SNEquity is well-suited for borrowers who have meaningful equity in their property and want a straightforward, technology-driven path to access it. It is particularly valuable for:
- Homeowners seeking a faster, more efficient alternative to a traditional HELOC
- Real estate investors looking to leverage existing property equity for acquisitions or improvements
- Self-employed borrowers who need documentation flexibility
- Borrowers who prefer a fully digital experience without sacrificing access to experienced mortgage professionals
Get Started Today
SNEquity is available now through SecurityNational Mortgage Company. Contact your loan officer to review your eligibility and explore how much equity you may be able to access.
Find out if you pre-qualify for SNEquity in seconds!
*Restrictions apply. This is not a commitment to make a loan. Loans are subject to borrower and property qualifications. Contact loan officer listed for an accurate, personalized quote. Interest rates and program guidelines are subject to change without notice.