Your Equity. Working Harder. In 5 Days.

A HELOC is a revolving line of credit secured by your home equity. Think of it like a credit card backed by your property — you draw what you need up to your credit limit, repay it, and can draw again. Because it is secured by real estate, rates are typically far lower than unsecured personal loans or credit cards.

No. Checking your rate uses a soft credit pull which has no impact on your credit score. A hard pull only occurs when you choose to submit a full application and move forward with the process.

Approval can happen in as little as 5 minutes. Funding is available in as few as 3 to 5 business days on qualifying loans — compared to several weeks for traditional bank HELOCs. Online notary services are available in most states, removing the in-person closing requirement.

For most loans under $400,000, an automated valuation model (AVM) is used instead of a traditional in-person appraisal. This eliminates the scheduling delay and speeds up the entire process. Loans above $400,000 or in certain scenarios may require additional valuation.

Yes — eligible properties include those held solely, jointly, in a revocable trust, or by an LLC. This is a significant advantage over traditional bank HELOC programs that often restrict access to personally-titled properties only. Subject to program guidelines and property eligibility.

CLTV stands for Combined Loan-to-Value — the sum of all loans against your property divided by its value. For example, if your home is worth $500,000 and you have a $250,000 first mortgage, your current LTV is 50%. At 85% CLTV, your maximum combined debt would be $425,000 — meaning up to $175,000 available as a HELOC. Programs are available up to 90% CLTV.

Yes. Using HELOC funds as a down payment on an investment property is one of the most common uses among real estate investors. You access the equity from your existing property, use it as the down payment on the new acquisition, and the rental income from the new property services the HELOC payment. The specific investment property would then typically be financed separately through a DSCR or conventional loan.

Interest on a HELOC may be tax deductible when funds are used for home improvement purposes on the secured property. Interest on funds used for other purposes — such as debt consolidation, investing, or business purposes — may not be deductible. Tax rules depend on your specific situation. Consult a qualified tax professional for guidance.

A cash-out refinance replaces your entire existing mortgage with a new, larger loan — which means your current rate gets replaced with today's rates. A HELOC is a second lien that leaves your first mortgage completely untouched. If you locked in a low rate on your first mortgage, a HELOC is almost always the smarter choice for accessing equity without losing that rate.