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Home Equity · Digital Process

Access Your Equity. Keep Your Rate.

A digital HELOC lets you access up to $750,000 in home equity without refinancing your existing mortgage. Keep your current rate. Apply 100% online. Fund in as few as 5 days.

Up to $750K 5-Day Funding 600+ FICO 90% Max CLTV LLC Properties OK No Refi Required
Check My Rate — No Credit Impact → Book a Review
$750K
Max Line
5 min
Approval
5 days
Funding
600+
Min FICO
90%
Max CLTV
$0
To Apply
Ready for the full funnel? Try our 5-Day HELOC page →
Home Equity Explained

What is a HELOC — and why
does it matter right now?

Keep Your First Mortgage Rate

A HELOC is a second lien — your existing first mortgage stays completely untouched. If you locked in a 3% or 4% rate, you keep it. Only the HELOC carries its own rate.

Draw, Repay, Redraw

A HELOC is revolving — like a credit card secured by your home. Draw what you need, repay it, and draw again. Option to redraw up to 100% of the line.

LLC-Held Properties Eligible

Properties held solely, jointly, in a revocable trust, or by an LLC may qualify — a major advantage over traditional bank HELOC programs that restrict to personally-titled properties.

5-Minute Approval, 5-Day Funding

No in-person appraisal on most loans under $400K. Online notary available in most states. From application to funded in as few as 3 to 5 business days.

Quick Comparison
HELOC vs Your Other Options
Factor
Digital HELOC
Cash-Out Refi
First Mortgage
✓Untouched
Replaced entirely
Funding Speed
✓3–5 days
3–6 weeks
Appraisal
✓AVM most loans
Usually required
LLC Properties
✓Eligible
Varies
Max Line
✓Up to $750K
Based on LTV
Min FICO
✓600+
620+ typical
HELOC Calculator

Estimate your available equity
and monthly payment.

Enter your home value and mortgage balance to see how much equity you may be able to access and what a monthly interest-only payment could look like.

Your Property
$
$50K$3M
$
$0$2.5M
HELOC Terms
%
%
$
Your Estimate
Max HELOC Line Available
—
based on home value & CLTV
Available Equity—
Your Draw—
Est. Monthly Payment—
Annual Interest Cost—
Min FICO Required600+
Funding Timeline3–5 days
Check My Actual Rate →

Estimates only. Not a commitment to lend. Actual line, rate, and terms depend on full application, credit, income, and lender guidelines.

Quick Check

Is a digital HELOC
right for your situation?

Strong Fit
✓ FICO score 600 or higher
✓ Equity in your home — CLTV at or below 90%
✓ Primary residence, second home, or investment property
✓ Property held solely, jointly, in trust, or LLC
✓ Need between $15,000 and $750,000
✓ Want to keep your existing first mortgage rate
✓ W-2, self-employed, or rental income
May Need a Different Path
— Want to also lower your first mortgage rate
— Need more than $750,000 in a single draw
— CLTV significantly above 90%
— Very recent purchase with minimal equity

A cash-out refinance may be the better path. Book a quick review and we'll tell you which makes more sense.

FAQ

Common questions,
direct answers.

No. The prequalification rate check 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.
Approval can happen in as little as 5 minutes. Funding is available in as few as 3 to 5 business days on qualifying loans. 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 scheduling delays and significantly speeds up the process. Loans above $400,000 may require additional valuation.
Yes. Properties held solely, jointly, in a revocable trust, or by an LLC may be eligible. This is a significant advantage over most traditional bank HELOCs that restrict access to personally-titled properties. Subject to program guidelines and property eligibility.
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 equity from your existing property and deploy it as the down payment on the new acquisition. The investment property is then financed separately, often through a DSCR loan.
A cash-out refinance replaces your entire existing mortgage with a new larger loan — which means your current rate gets replaced. A HELOC is a second lien that leaves your first mortgage completely untouched. If you locked in a low rate, a HELOC is almost always the better choice for accessing equity without losing that rate.
Know Your Equity

See how much equity
you may be able to access.

Get a quick home value estimate and explore whether a digital HELOC, cash-out refinance, or investor strategy may make sense for your situation.

Home value estimates are not appraisals. HELOC options depend on credit, income, property type, lien position, equity, and lender guidelines. Not a commitment to lend.

Your equity is sitting there.
Put it to work.

Check your rate in minutes with no impact on your credit score. No commitment. Funding in as few as 5 days.

Check My Rate — No Credit Impact → Book a Scenario Review