Unlock Your Home's Value with a HELOC

Get cash from your home's equity with low fixed rates and no hidden fees. Our simple online application takes just minutes.

Checking rates won't affect your credit score

Why Choose Our HELOC?

Fast Online Application

Complete our simple application in minutes from any device, with no paperwork required.

Low Fixed Rates

Starting at 5.99% APR with no surprises or variable rates that can increase unexpectedly.

Quick Access to Funds

Get approved in as little as 5 minutes and receive your funds in as few as 14 days.

No Hidden Fees

Transparent pricing with no application fees, closing costs, or annual fees to worry about.

How It Works

1

Check Your Rate

Enter your ZIP code and answer a few simple questions to see your personalized rate in minutes.

2

Complete Application

Fill out our easy online application with basic information about you and your property.

3

Get Your Funds

Once approved, receive your funds directly to your bank account and start using your equity.

Get Started Now

Smart Ways to Use Your Home Equity

Home Improvements

Renovate your kitchen, add a bathroom, or update your home to increase its value and your enjoyment.

Debt Consolidation

Consolidate high-interest credit cards and loans into one lower monthly payment at a better rate.

Education Expenses

Fund college tuition and expenses with rates that are typically lower than student loans.

Emergency Fund

Have access to funds when you need them most, without having to liquidate investments.

How Our HELOC Compares

Our HELOC Traditional Bank HELOC Credit Cards Personal Loans
Fixed Rate Option
100% Online Process
No In-Person Appraisal
Average APR 5.99% - 8.99% 6.75% - 10.25% 16.99% - 24.99% 10.99% - 18.99%
Typical Funding Time 14-21 days 30-45 days Immediate 3-7 days

What Our Customers Say

"The online application was incredibly easy. I was approved quickly and had my funds within two weeks. The rate was much better than my credit cards!"

Sarah M.

Sarah M.

San Diego, CA

"I used my HELOC to consolidate debt and save over $450 per month in payments. The process was straightforward and the customer service was excellent."

Michael T.

Michael T.

Austin, TX

"We were able to fund our kitchen renovation without the stress of high-interest debt. The fixed rate gave us peace of mind knowing exactly what we'd pay."

Jennifer L.

Jennifer L.

Phoenix, AZ

Frequently Asked Questions

What is a HELOC?

A Home Equity Line of Credit (HELOC) is a type of loan that allows you to borrow against the equity in your home. Equity is the difference between your home's current market value and the amount you owe on your mortgage. With a HELOC, you can access this equity as needed, similar to a credit card, but typically with much lower interest rates.

How much can I borrow?

The amount you can borrow depends on your home's value, your existing mortgage balance, your credit score, and your income. Generally, you can borrow up to 80-90% of your home's value minus what you still owe on your mortgage. For example, if your home is worth $400,000 and you owe $200,000 on your mortgage, you might be eligible to borrow up to $140,000-$160,000.

Will checking my rate affect my credit score?

No, checking your rate with us only requires a "soft" credit pull, which does not affect your credit score. A "hard" credit pull is only performed if you decide to proceed with a full application after seeing your rate.

How long does the application process take?

Our online application takes just minutes to complete. Most customers receive a decision within hours, and funding typically occurs within 14-21 days after approval. This is significantly faster than traditional bank HELOCs, which can take 30-45 days or more.

Are there any fees?

We pride ourselves on transparency. There are no application fees, no closing costs, and no annual fees with our HELOC. The only costs are the interest on the amount you borrow, which is clearly disclosed before you commit.

Ready to Access Your Home's Equity?

Check your rate in minutes with no impact to your credit score.

Get Started Now
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