Home Equity Line of Credit (HELOC) – Fast, Flexible, 100% Online

Unlock Your Home Equity – Fast, Easy, and 100% Online

Get up to $400,000 with a fixed-rate Home Equity Line of Credit. Apply in minutes and get funded in as few as 5 days.

More Value, Less Hassle

Our Standalone Home Equity Line of Credit (HELOC) lets you tap your home’s value without refinancing your low mortgage rate.

Lower Rates

Better than personal loans or credit cards

Fast Funding

As little as 5 days

Flexible Amounts

$25,000 – $400,000

No Upfront Costs

Pay nothing until funding

100% Online

Apply from anywhere

Multiple Uses

Home improvements, debt consolidation & more

Simple, 3-Step Process

Getting a HELOC with us is quick and straightforward. We’ve designed the process to save you time and hassle, so you can go from application to funding in just a few days.

Apply Online

Takes just 5 minutes. Soft credit check first.

Get Approved

We verify your income, property, and ID.

Receive Funds

Direct deposit to your bank within 5 business days.

Start Your Application

What You Need to Know Before Applying

Here’s a quick look at the loan terms, amounts, and property types we support — plus the basic requirements to qualify.

Key Loan Facts

Loan Amount:

$25,000 – $400,000

Terms:

5, 10, 15, or 30 years

Lien Position:

1st, 2nd, or 3rd lien eligible

Interest Rate:

Fixed rate for initial draw;
additional draws at Prime + margin

CLTV Max:

Up to 85% for primary residences

Requirements

Minimum Credit Score:
(depends on property type)

640-680

Debt-to-Income Ratio:

Below 50%

Lien Position:

1st, 2nd, or 3rd lien eligible

Property Types:

Single-family, townhome, condo, duplex, 3–4 unit, secondary homes, investment properties

Ineligible Properties:

Co-ops, commercial, 5+ units, manufactured homes, mixed-use, >20 acres, reverse mortgages

Property Type	Lien Position	Max Loan Amount	Max CCTV	Min Credit Score	Max DTI
Primary Residence	1st	$400k	85%	680+	50%
Primary Residence	2nd	$200k–$250k	70-85%	640-850	50%
Secondary Home	2nd	$125k–$150k	70-80%	640-850	50%
Investment	3rd	$100k–$150k	70%	680+	50%

Property Type

Lien Position

Max Loan Amount

Max CCTV

Min Credit Score

Max DTI

Primary Residence

1st

$400k

85%

680+

50%

Primary Residence

2nd

$200k–$250k

70-85%

640-850

50%

Secondary Home

2nd

$125k–$150k

70-80%

640-850

50%

Investment

3rd

$100k–$150k

70%

680+

50%

Why Choose Our HELOC?

Enjoy flexibility, speed, and control — from direct debt payoff to easy access to more funds as you repay.

Direct Debt Payoff

Use funds to pay off loans or credit cards directly during offer selection.

Additional Draws

Reuse your credit limit as you repay, minimum draw $500.

No Prepayment Penalties

Pay off early without fees.

Flexible Origination Fee

Choose an upfront cost that suits you, rolled into your loan.

How Fast Can You Get Funded?

Our streamlined process gets you from application to funded in as little as one week

Day 1

Apply & Prequalify

Complete your online application and get instant prequalification

Day 1-3

Verification

We verify your income, property value, and identification

Day 4-5

eNotary & Funding

3-day rescission period for primary homes, then funding begins

Day 6-8

Funds Clear

Money appears in your bank account and is ready to use

Fast Track Available

With all documents ready and quick verification, some applications can be funded in as few as 5 business days

Frequently asked questions

We recommend waiting 45 days after your refinance has been successfully recorded with your county before applying for additional financing with us. This is to ensure your liens are correctly reporting on both your credit profile, as well as our property data vendors which we use to calculate various details of your qualified offers.

Their home equity line will show as a “Revolving Tradeline” on their credit profile.

Yes! However, they must wait at least 45 days before applying again. (Recorded with the county and a complete status)

If the applicant wishes to cancel for any reason, they will need to contact our OPS center via a communication method on the application. This includes phone, chat, and email communication to request a cancellation

If they have entered their 3-day cooling off period for rescission, they will need to download and fill our the Right to Cancel form and send it into our OPS center to get their application cancelled.

Our applications remain active for 14 days if they have not yet continued beyond our account linkage stage (for income verification and linkage of disbursement account).

Once your line of credit documents are generated for their review (note_signing), another 29 days are provided to complete your application with us.

To proceed you will need to either have the borrower unlock or unfreeze your credit with Experian. From there, you can run a new inquiry in Lead Portal. This will require you fill in their information again on the first page to pull credit.

The borrower must keep their credit unlocked/unfrozen during the duration of the application for a hard credit pull

Yes, personal data security is a top priority. We deploy a range of leading security and encryption technologies designed to ensure your data remains secure.

Still have questions? Our loan specialists are here to help.

Contact our Specialist

Let’s Get Started – No Obligation, Just a Quick Check

Share a few basic details and our team will be in touch to walk you through your best HELOC options.

Full Name*

Email Address*

Phone No. *

Property ZIP Code*

Estimated Home Value *

Approximate Loan Amount *

Phone 855-FUNDING

Lightning Fast Business Funding

Call Now

Occupacity	Lien Position	Max Loan Amount	Maximum CLTV*	Credit Score Range	DTI
Non-owner Occupied	1	$400,000	80%**	680-850	50%
Non-owner Occupied	2	$200,000	70%	680-719	50%
Non-owner Occupied	2	$225,000	70%	720-759	50%
Non-owner Occupied	2	$250,000	70%	760-850	50%
Owner Occupied	1	$400,000	80%	680-739	50%
Owner Occupied	1	$400,000	85%	740-850	50%
Owner Occupied	3	$100,000	70%	680-759	50%
Owner Occupied	3	$150,000	70%	760-850	50%
Owner Occupied	2	$150,000	85%	680-739	50%
Owner Occupied	1-2	$125,000	80%	660-679	50%
Owner Occupied	1-2	$125,000	75%	640-659	50%
Owner Occupied	2	$250,000	85%	740-850	50%
Owner Occupied	2	$200,000	80%	680-699	50%
Owner Occupied	2	$250,000	80%	700-739	50%
Owner Occupied	2	$300,000	80%	740-850	50%
Owner Occupied	2	$350,000	75%	740-759	50%
Owner Occupied	2	$400,000	75%	760-850	50%

Occupacity

Lien Position

Max Loan Amount

Maximum CLTV*

Credit Score Range

DTI

Non-owner Occupied

$400,000

80%**

680-850

50%

Non-owner Occupied

$200,000

70%

680-719

50%

Non-owner Occupied

$225,000

70%

720-759

50%

Non-owner Occupied

$250,000

70%

760-850

50%

Owner Occupied

$400,000

80%

680-739

50%

Owner Occupied

$400,000

85%

740-850

50%

Owner Occupied

$100,000

70%

680-759

50%

Owner Occupied

$150,000

70%

760-850

50%

Owner Occupied

$150,000

85%

680-739

50%

Owner Occupied

1-2

$125,000

80%

660-679

50%

Owner Occupied

1-2

$125,000

75%

640-659

50%

Owner Occupied

$250,000

85%

740-850

50%

Owner Occupied

$200,000

80%

680-699

50%

Owner Occupied

$250,000

80%

700-739

50%

Owner Occupied

$300,000

80%

740-850

50%

Owner Occupied

$350,000

75%

740-759

50%

Owner Occupied

$400,000

75%

760-850

50%

Occupacity	Lien Position	Max Loan Amount	Maximum CLTV*	Credit Score Range	DTI
Non-owner Occupied	1	$400,000	80%**	680-850	45%
Non-owner Occupied	2	$200,000	70%	680-719	45%
Non-owner Occupied	2	$225,000	70%	720-759	45%
Non-owner Occupied	2	$250,000	70%	760-850	45%
Owner Occupied	1	$400,000	80%	680-850	45%
Owner Occupied	2	$200,000	80%	680-699	45%
Owner Occupied	2	$250,000	80%	700-739	45%
Owner Occupied	2	$300,000	80%	740-850	45%
Owner Occupied	2	$350,000	75%	740-759	45%
Owner Occupied	2	$400,000	75%	760-850	45%

Occupacity

Lien Position

Max Loan Amount

Maximum CLTV*

Credit Score Range

DTI

Non-owner Occupied

$400,000

80%**

680-850

45%

Non-owner Occupied

$200,000

70%

680-719

45%

Non-owner Occupied

$225,000

70%

720-759

45%

Non-owner Occupied

$250,000

70%

760-850

45%

Owner Occupied

$400,000

80%

680-850

45%

Owner Occupied

$200,000

80%

680-699

45%

Owner Occupied

$250,000

80%

700-739

45%

Owner Occupied

$300,000

80%

740-850

45%

Owner Occupied

$350,000

75%

740-759

45%

Owner Occupied

$400,000

75%

760-850

45%

Crypto Backed B2B Finance has arrived!

The One Big Beautiful Bill – Volume 2: Overtime, Snacks, and the People Who Make Your Business Grow

Unlock Your Home Equity – Fast, Easy, and 100% Online

More Value, Less Hassle

Lower Rates

Fast Funding

Flexible Amounts

No Upfront Costs

100% Online

Multiple Uses

Simple, 3-Step Process

What You Need to Know Before Applying

Key Loan Facts

Requirements

Loan Eligibility at a Glance

Take the Next Step toward Your HELOC

Why Choose Our HELOC?

Direct Debt Payoff

Additional Draws

No Prepayment Penalties

Flexible Origination Fee

How Fast Can You Get Funded?

Apply & Prequalify

Verification

eNotary & Funding

Funds Clear

Fast Track Available

Frequently asked questions

Let’s Get Started – No Obligation, Just a Quick Check

As Seen On

Crypto Backed B2B Finance has arrived!

The One Big Beautiful Bill – Volume 2: Overtime, Snacks, and the People Who Make Your Business Grow

Unlock Your Home Equity – Fast, Easy, and 100% Online

More Value, Less Hassle

Lower Rates

Fast Funding

Flexible Amounts

No Upfront Costs

100% Online

Multiple Uses

Simple, 3-Step Process

What You Need to Know Before Applying

Key Loan Facts

Requirements

Loan Eligibility at a Glance

Take the Next Step toward Your HELOC

Why Choose Our HELOC?

Direct Debt Payoff

Additional Draws

No Prepayment Penalties

Flexible Origination Fee

How Fast Can You Get Funded?

Apply & Prequalify

Verification

eNotary & Funding

Funds Clear

Fast Track Available

Frequently asked questions

The borrower just refinanced. Can I apply for a new HELOC right away?

How will my HELOC appear on their credit profile?

Can borrowers apply for multiple lines of credit?

How do I cancel my application?

How long does the borrower have to complete the application?

The borrower’s credit is frozen/locked. How do I proceed?

Is my personal information secure?

Let’s Get Started – No Obligation, Just a Quick Check

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