Tap your home equity. Without giving up your low mortgage rate.
A Home Equity Line of Credit (HELOC) lets you access the value you've built in your home — for renovations, debt consolidation, investments, or major expenses. Keep your current mortgage. Get cash when you need it.
Don't refinance away your low mortgage rate.
If you locked in a low rate on your current mortgage, refinancing today often means losing that rate forever. A HELOC lets you tap your equity WITHOUT touching your first mortgage. Your low rate stays intact. Your cash needs get covered.
Keep your low rate
Your existing mortgage stays in place. No rate change. No reset.
Soft pull to qualify
Check what you qualify for in minutes with no impact to your credit score. A hard pull only happens if you decide to move forward.
Fast funding
Apply in minutes. Funding in as few as 5 days in most states.
What clients use HELOCs for.
Home Renovations
Kitchen, bath, addition, pool, landscaping — fund improvements that increase your home's value.
Debt Consolidation
Roll high-interest credit cards and personal loans into a single lower-rate payment.
Investment Opportunities
Down payment on an investment property, business capital, or other wealth-building moves.
Major Expenses
Education, medical costs, life events — access your equity instead of taking on expensive debt.
Use a HELOC to buy before you sell.
Pull from your current home's equity to fund the down payment and closing costs on your next purchase. When your current home sells, pay off the HELOC and move on.
How is your property owned?
We offer three HELOC programs, organized by how your property is owned. Choose the one that fits your situation and apply directly.
Personal Ownership HELOC
For homeowners with property held in their personal name. Tap your equity quickly with predictable, fixed-rate draws. Best for primary residences, secondary homes, and investment properties.
- Property owned individually or jointly (no trust, no LLC)
- Want predictable, fixed-rate payments at each draw
- Need cash for renovations, debt consolidation, or major expenses
- Faster funding timelines
Revocable Trust HELOC
For homeowners who hold their property in a Revocable Living Trust as part of their estate planning. This HELOC supports trust-held real estate with flexible draw and repayment structures.
- Property held in a Revocable Living Trust
- Estate planning–focused homeowners
- Want interest-only draw flexibility
- Investment property portfolios with trust-held assets
LLC Ownership HELOC
For real estate investors and business owners whose investment properties are held in an LLC. Designed to support portfolio growth and business-held real estate.
- Property owned by an LLC
- Real estate investors
- Business-held real estate
- Secondary and investment properties
LLC ownership eligibility varies by state. We'll confirm eligibility during your application.
Apply for LLC Ownership HELOCFrom application to funding in 4 steps.
Apply Online (5 Minutes)
Complete a quick online application from the product that fits your ownership type. Soft pull only — no impact to your credit.
Get Approved (Minutes)
Receive your offer within minutes of completing the application. Review your terms.
Sign and Verify
Verify your identity, sign documents online, complete final steps. Most clients complete this entirely from home.
Funding (As Few as 5 Days)
Funds disbursed via ACH to your linked account. Use the line as needed — pay it down, draw again, manage on your schedule.
Funding timelines may be longer in Texas due to a state-required cooling-off period. Funding times also depend on county recording requirements, appraisal needs (if applicable), and individual situation.
Let's talk it through.
Choosing the right HELOC depends on how your property is owned, your goals, and your timeline. Schedule a 15-minute consultation and we'll walk you through your options — no pressure, no pitch.
Important Disclosures
1. Collateral Notice — A HELOC is secured with your home as collateral. Personal loans and credit cards are typically not. If you fail to repay, you could lose your home.
2. Credit Pull Disclosure — To check the rates and terms you qualify for, we conduct a soft credit pull that will not affect your credit score. If you continue and submit a full application, we request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit score.
3. Funding Timeline — Approval may be granted in 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 a remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures, that require in-person closing, or that require a state-mandated waiting period before closing (including Texas Section 50(a)(6) 12-day notice requirement).
4. Product Structure — The HELOC is an open-end product where the full loan amount (minus origination fee) will be 100% drawn at the time of origination. The initial loan amount funded at closing will be based on a fixed rate. Additional draws during the draw period may be permitted; the interest rate for any additional draw will be set as of the date of that draw based on prevailing rates plus a fixed margin. Accordingly, the fixed rate for any additional draw may differ from the fixed rate for the initial draw.