Unlock up to $750K from your home equity — revolving line of credit, funded in as few as 5 business days, 100% online application, soft credit inquiry to prequalify.
A HELOC is a line of credit secured by the equity in your home. It's fully disbursed at funding — meaning you receive the full amount upfront — and also allows additional draws over time as you repay.
Unlike a cash-out refinance, a HELOC lets you access equity without giving up your existing mortgage rate. Terms of 5, 10, 15, or 30 years. No appraisal required for most loans — valuation completed automatically via AVM in seconds.
Soft credit pull only to prequalify — no impact to your score. See what you're eligible for before committing.
Start Free ApplicationReceive the full amount upfront, then redraw as you repay — up to 100% of your credit limit during the draw period.
Fast online application with eNotary closing. Most primary residence loans fund within 5 business days of approval.
Access your equity without refinancing — preserve your existing mortgage while unlocking capital.
As you repay your balance, you can redraw up to 100% of your original credit limit during the draw period. Minimum draw of $500.
Yes. While secured by your home, there are generally no restrictions on using the funds for business purposes — expansion, equipment, inventory, payroll coverage, or any other business need.
For most loans, valuation is completed automatically via an Automated Valuation Model (AVM) — no appraisal required, completed in seconds. Loans over $400K may require a full appraisal. Florida condos over $400K have a CLTV cap of 70%.
Primary residences fund within 5 business days (includes a 3-business day rescission period). Secondary properties typically fund within about 5 business days with no rescission period. Funding occurs via ACH after notary completion.
During the draw period, you can redraw up to 100% of your credit limit as you repay. Draws must be at least $500. Your credit is not re-run for additional draws. Draw periods range from 2–5 years depending on your chosen term.
Yes. Our HELOC includes a direct debt payoff feature — proceeds can pay off personal loans, revolving credit, auto loans, home-improvement loans, and existing liens. This can also help you qualify by reducing your debt-to-income ratio.
You can pay off your loan at any time with no prepayment penalties. However, early payoff provisions may apply if 90% or more of the balance is paid within 16 weeks of funding.
Minimum 640 for primary residence and 680 for secondary properties (Experian FICO 9, primary applicant only). Higher scores unlock higher loan amounts and CLTV limits.
100% online. Soft credit inquiry to prequalify. No out-of-pocket costs.
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