Home Equity Financing to Fund What's Next
Whether you're consolidating debt, funding a renovation, or reinvesting in your business, your home equity can work harder for you. Get approved in minutes and funded in days, not weeks.
Lo que necesita para calificar
600+
Minimum Credit Score
Up to 85%
Maximum Loan to Value
Puntuación 4.4 / 5 en Trustpilot
How much equity would you like to access?
Drag the slider or type an amount
Only Takes 5 Minutes
Checking your rate won't impact your credit score
Get Your HELOC Funded Fast
Share your home's value, any existing mortgage balances, and how much funding you're looking for. Takes about 5 minutes.
Receive your approval decision in as little as 5 minutes, with clear terms and no obligation.
Choose a term from 10 to 30 years. Our advisors handle the paperwork for you.
Funds can arrive in as little as 5 days, far faster than a traditional HELOC.
What Makes Our HELOC Different
Lenient Credit Requirements
Qualify with a credit score as low as 600. We look at the full picture of your finances, not just one number.
Fund Up to 3rd Position
Already have two mortgages? We can still fund up to 85% loan to value, even in 3rd lien position.
Approval in 5 Minutes
Get a real decision in minutes, not days. Know where you stand before you commit to anything.
Funded in as Little as 5 Days
Once approved, your funds can be in your account in as little as 5 days.
No Impact to Apply
Checking your rate and eligibility does not affect your credit score. Explore your options risk free.
Two Dedicated Advisors, Start to Finish
You're paired with two dedicated advisors who guide you through the entire process, from application to funding.
Understanding a Home Equity Line of Credit (HELOC)
A Home Equity Line of Credit lets you borrow against the equity you've built in your home, giving you access to funds without selling your home or refinancing your entire mortgage.
Most traditional HELOCs require a 700+ credit score, extensive documentation, and weeks of waiting. Ours is built for speed and flexibility instead. Whether you're consolidating debt, funding a renovation, or reinvesting in your business, our fully digital process is designed to take you from application to funding in days, not months.
HELOC Details
Our HELOC is built for speed and flexibility, with long terms that keep monthly payments manageable.
Common Uses for a HELOC
Consolidating High-Interest Debt
Pay off credit cards and other high-interest balances with a lower, more predictable rate.
Funding Home Renovations
Update your kitchen, add a room, or make repairs using the equity you've already built.
Reinvesting in Your Business
Use your home equity as an additional source of working capital when you need it most.
Covering Major Expenses
Medical bills, tuition, or other large one-time costs become manageable with the right funding.
Building an Emergency Reserve
Set up a financial cushion you can draw from only when you actually need it.
Bridging a Cash Flow Gap
Access funds quickly when timing matters, without waiting weeks for a decision.
Credit Requirements for a HELOC
Our HELOC is available to a wider range of credit profiles than most traditional lenders allow. Your home equity and overall financial picture matter just as much as your credit score.
Buenas noticias
Homeowners with credit scores from 600 and up successfully qualify for our HELOC every day. Most traditional HELOCs require a 700+ score, extensive documentation, and a long wait. We built ours to be different.
Excellent Credit (700+)
Great rates, highest funding amounts, most term flexibility
Our Minimum (600+)
Still qualifies. Lenient requirements, fast approval, no credit impact to check
Our HELOC by the Numbers
600
minimum credit score. Well below the 700+ most traditional HELOCs require.
5 minutes
to get approved. See your terms before you commit to anything.
5 days
average time to fund. Most traditional HELOCs take weeks.
Evaluating a HELOC
Lower rates than most unsecured financing options
Long terms from 10 to 30 years keep payments manageable
No impact to your credit score to check your rate
Fully digital process from start to finish
Two dedicated advisors guide you the entire way
Can fund up to 3rd position, even with two existing mortgages
Your home secures the loan, so missed payments put your property at risk
Requires sufficient home equity to qualify
Rate structure depends on the term you select
Closing costs or fees may apply depending on your situation
Compare our HELOC to Other Options
| Tipo de financiamiento | Monto máximo | Tasas | Velocidad |
|---|---|---|---|
| Our HELOC | Up to 85% LTV, 3rd position OK | 5% to 11% APR | Approved in 5 min, funded in 5 days |
| Traditional Bank HELOC | Typically up to 80% LTV | Often 8% to 13%+ APR | 2 to 6 weeks |
| Home Equity Loan | Typically up to 80% LTV | Often 7% to 12% APR, fixed | 2 to 4 weeks |
| Cash Out Refinance | Typically up to 80% LTV | Based on current mortgage rates | 30 to 45 days |
| Personal Loan | Varies, often lower max | Often 8% to 25%+ APR | 1 to 5 days |
HELOC Qualification Requirements
600+
Credit Score
Up to 85%
Loan to Value
Up to 2
Existing Mortgages OK (3rd position eligible)
Apply for Your HELOC Today
Get approved in as little as 5 minutes and funded in as little as 5 days. No lengthy paperwork, no long wait.
Check My RateTell us about your home, your existing mortgages, and how much funding you're looking for. Takes about 5 minutes.
Get an approval decision in as little as 5 minutes, with no impact to your credit score.
Choose a term from 10 to 30 years and lock in your rate with help from your dedicated advisors.
HELOC by Use Case
Debt Consolidation
Simplify high-interest balances into one predictable payment
Home Renovation
Fund the upgrades you've been planning
Business Reinvestment
Put your equity to work growing your business
Major Expenses
Cover large one-time costs without draining savings
Home Equity Line of Credit (HELOC) Questions
A HELOC gives you a revolving line of credit you can draw from as needed, similar to a credit card, while a home equity loan provides a single lump sum upfront. A HELOC offers more flexibility if you're not sure exactly how much you'll need or when.
We work with credit scores starting at 600, well below the 700+ most traditional HELOCs require. Your home equity and overall financial picture matter just as much as your score.
Yes. We can fund up to 3rd position, up to 85% loan to value, even if you already have two mortgages on your home.
Most applicants receive an approval decision in as little as 5 minutes. Once approved, funds can arrive in as little as 5 days.
No. Checking your rate and eligibility does not impact your credit score.
Common uses include debt consolidation, home renovations, business reinvestment, and covering major expenses. There are generally no restrictions on how you use the funds.
Terms range from 10 to 30 years with monthly payments, and rates range from 5% to 11% APR depending on your qualification.
Yes. A HELOC is secured by your home, meaning your home serves as collateral. Missing payments could put your property at risk, so it's important to borrow an amount you're confident you can repay.
The process is fully digital. Basic requirements typically include proof of homeownership, current mortgage information, and identification. Your dedicated advisors will let you know if anything additional is needed.
You're paired with two dedicated advisors who guide you through the entire process, from your initial application through funding.
Get Your Home Equity Working Today
Apply in minutes and get a decision fast. Our team is ready to help you find the right HELOC for your goals.
How much equity would you like to access?
Drag the slider or type an amount
Only Takes 5 Minutes
Checking your rate won't impact your credit score