Without losing your current rate
Get a Quote in Just 30 Seconds
Pre-qualification does not affect your credit score
Borrow up to $400k to...
Renovate Home
Add ADU
Buy Second Home
Invest In Real Estate
Start a Business
Pay For Education
Pay Off Debts, Medical Bills, Taxes, etc.
Pre-qualification does not affect your credit score
Apply Online
No need to go digging for paperwork, go to the bank, or get an appraisal. Just link your accounts and we’ll take care of the rest.
Enjoy a low, fixed rate
Rates are generally lower than personal loans or credit cards.
Dedicated customer support team
Our team can answer any questions big or small.
A HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.
Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
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