Home Equity Line of Credit
Fast, easy HELOC — approved in 5 minutes, funded in as few as 5 days
100% online application. No in-person appraisal required for loans under $400K. Borrow from $15,000 up to $750,000 with fixed and variable rate options.
Today's lowest HELOC rate
7.35% APR
Rate as of October 21, 2026. Subject to change. See disclosures.
- No in-person appraisal under $400K
- 100% online application
- Fixed & variable rate options
- Redraw up to 100% as you repay
5 min
Pre-approval
5 days
Funding (loans under $400K)
$750K
Maximum loan amount
0
In-person appraisal required
Why Borrowers Choose This HELOC
Everything you need. Nothing you don't.
100% Online Application
Apply from your phone or computer in minutes. No branch visits, no paperwork stacks — the entire process is digital from start to funded.
No In-Person Appraisal
For loans under $400,000, no in-person appraisal is required. A streamlined automated valuation keeps the process fast and simple.
Fixed & Variable Rate Options
Lock in a fixed rate so your payment never changes, or choose a variable rate for maximum flexibility. You decide what fits your situation.
Redraw Up to 100% as You Repay
As you pay down your balance during the draw period, those funds become available again — giving you a revolving source of capital.
Online Video Notary
No need to visit a notary in person. Complete the notarization step online via video in most locations — fast, convenient, and secure.
Minimal DTI Restrictions
Automated and streamlined underwriting guidelines with minimal front-end DTI restrictions make qualifying easier for more borrowers.
How It Compares
Our HELOC vs. your other options
Our HELOC
Traditional Bank HELOC
Personal Loan
HELOC Calculator
See how much you could borrow
The amount you can borrow will vary based on your home's appraised value and the percentage your lender allows. Loan amounts range from $15,000 to $750,000.
Based on borrowing 80% of your current home value. Checking your rate won't impact your credit.
Program Details
Loan amounts, property types, and terms
Our HELOC program is designed for speed and simplicity — primary residences, second homes, and investment properties all qualify. The draw period features interest-only payments before converting to a fully amortizing repayment term.
Frequently Asked Questions
Everything you need to know about HELOCs
"This was the easiest, most well organized and fastest loan transaction I've ever had. From submitting the application to loan funded and money in my account in five business days. Truly remarkable!"
Henry E.
Verified Borrower
Ready to tap your home's equity?
Get pre-approved in 5 minutes. No in-person appraisal. Funding in as few as 5 days. Talk to our team to get started.
Personalized for you
Get Your Personalized Mortgage Rate
Every borrower is different. Tell us about your scenario and we'll compare programs and rates tailored to you — no obligation.
- Compare multiple loan programs side by side
- Review interest rate, APR, points, and monthly payment
- Speak directly with an experienced mortgage broker
Specialized programs available