One of the top US producers of mortgages and home equity loans has been Discover since 2007.

Discover home equity loans begin at $35,000; for some applicants, this amount may be too high.

To qualify for a Discover loan, customers must have a minimum FICO credit score of 620.

You'll receive information about your loan alternatives in a matter of minutes.

Rates for 30-year fixed loans from Discover range from 6.49% to 12.99% as of mid-June.

Home equity lines of credit, or HELOCs, are not accessible from them.

Discover does not charge application, or origination costs, and there is no cash deposit required at closing.

Some closing fees (nearly $500) must be reimbursed if the loan is repaid within the first 36 months.

Your equity could serve as security for a Discover loan in nearly 90% of cases.

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Maryland and Iowa are the only states where Discover Home Loans does not offer credit products.