When you want to put your home’s equity to use to either change your mortgage terms or take out cash to pay off high-interest debt, the first step is beyond simple — click the BeDirect™ — Get Pre-Qualified button. In just 2-5 minutes you’ll know if we have a loan for you. No paperwork. No credit check. In less than the commercial break on a football game, you’ll be on the road to a brighter financial future.