TURN YOUR HOME EQUITY INTO THE FUNDS YOU NEED

A Home Equity Line of Credit, commonly called a HELOC, is a revolving line of credit secured by the available equity in your home. You can generally access funds as needed, up to your approved credit limit, subject to your loan agreement.

The initial eligibility process uses a soft credit check, which does not affect your credit score. A hard credit inquiry may be required when you decide to move forward with an application or accept an offer.

Eligible applicants may qualify without providing traditional income documentation. Additional information or documentation may be required depending on the applicant, property, requested credit line, and applicable underwriting requirements.

An in-person appraisal may not be required for eligible properties and applicants. Property eligibility and valuation requirements may vary.

Qualified borrowers may receive funds in as little as 3–5 business days after completing all required steps. Actual timing varies and is not guaranteed.

Available credit lines may range up to $1,000,000. The amount offered depends on factors including available home equity, property value, credit history, existing mortgage balances, underwriting guidelines, and program availability.

Yes. The application, review, and document-signing process can generally be completed online. Additional steps may be required in certain circumstances.

HELOC funds can generally be used for home improvements, debt consolidation, education expenses, major purchases, unexpected expenses, and other permitted personal needs.

No. A HELOC is generally a revolving credit line that lets you access funds as needed. A traditional home equity loan normally provides one lump-sum payment with a defined repayment schedule.

HELOC rates are commonly variable and may change based on the applicable index and the terms of the loan. Applicants should review all final disclosures carefully before accepting an offer.