Your Equity. Working Harder. In 5 Days.
Access up to $750,000 in home equity without refinancing your mortgage. 100% online. No in-person appraisal on most loans. Keep your existing rate.
No hard credit pull to check your rate. No commitment. Subject to credit, equity, income, occupancy, and lender guidelines. NMLS #2727066.
you access?
Estimates only. Actual line, rate, and terms depend on full application, credit, income, and lender guidelines. Not a commitment to lend.
Real scenarios. Real numbers.
Your equity is capital. Here's how investors and homeowners are deploying it.
Use HELOC as Down Payment on Next Rental
Pull $120,000 in equity from your primary home. Use it as a 25% down payment on a $480K rental. Keep your first mortgage rate, add an income-producing asset.
Renovate to Increase Rents & Equity
Pull $80,000 from existing home equity. Renovate your rental — new kitchen, bathrooms, flooring. Raise rents $600/mo. HELOC pays for itself in under 11 years.
Buy a Short-Term Rental with Equity
Use $150,000 in equity to acquire a vacation property or Airbnb in a high-demand market. The rental income covers the HELOC payment and generates a return.
Replace 20%+ Credit Card Debt with Secured Equity
A $60,000 HELOC at ~9% replaces $60,000 in credit card debt at 22–27%. Monthly savings are immediate. Free up cash flow to reinvest into your portfolio.
Renovate and Build Equity at the Same Time
Kitchen remodel, master bath, ADU, or full renovation. Access $100,000 from your equity, increase your home's value, and pay interest-only during the project.
Eliminate High-Rate Debt, Free Up Cash Flow
Replace high-interest credit card, student loan, or personal loan debt with a secured home equity line at a fraction of the rate. Lower monthly payments. More breathing room.
Buy Your First Investment Property
Use your primary home equity as the down payment on a rental property. No need to wait years to save. Let the rental income service the HELOC payment.
Fund a Business or Pay Off Student Loans
Access equity to start a business, invest in your career, or eliminate student loan debt. Lower rates than business loans or private student refinancing in many cases.
* Examples are illustrative estimates only. Actual results depend on market conditions, property specifics, lender guidelines, credit, income, and individual circumstances. Not financial advice.
Digital HELOC vs. every other option.
For most homeowners with a low existing first mortgage rate, a HELOC is the clear choice.
| Factor | ✓ Digital HELOC | Cash-Out Refinance | Personal Loan | Credit Card |
|---|---|---|---|---|
| First Mortgage | ✓Untouched — keep your rate | Replaced entirely | Not affected | Not affected |
| Rates | ✓Secured — significantly lower than unsecured | Secured — today's market rates | Higher — unsecured | 20–27%+ — highest |
| Max Amount | ✓Up to $750,000 | Based on full LTV | Typically $25K–$100K | Typically $5K–$30K |
| Funding Speed | ✓As few as 3–5 days | 3–6 weeks typical | 1–7 days | Instant (if approved) |
| Appraisal | ✓Not required on most loans | Required | Not required | Not required |
| Application | ✓100% online — rate in minutes | Full refi process | Varies | Instant online |
| LLC Properties | ✓Eligible on qualifying programs | Varies by lender | N/A | N/A |
| Revolving Credit | ✓Draw, repay, and redraw up to 100% | One-time lump sum | One-time lump sum | Revolving |
| Tax Deductible | For home improvement (consult tax pro) | For home improvement | No | No |
Comparison is general and educational. Individual scenarios vary significantly. Not all products available to all borrowers. Rates, terms, and eligibility subject to change. MortgageToday LLC NMLS #2727066. Consult a licensed mortgage professional for advice specific to your situation.
Five steps. Five days.
Most borrowers complete the application in under 15 minutes. Everything else is handled digitally.
Quick eligibility check.
Most homeowners with meaningful equity qualify. Here's what to look for.
If this is you, a cash-out refinance or DSCR loan may be the better path. Book a quick review and we'll point you in the right direction.
Find out what your home is worth —
and how much you can access.
Get a quick home value estimate, then check your HELOC rate in minutes. No appraisal required on most loans. No hard credit pull to see your options.
Common questions,
clear answers.
Everything you need to know before applying. If your question isn't here, book a free review.
Not sure if you qualify?
A 15-minute call with Kevin covers your scenario, your numbers, and whether a digital HELOC is the right move for your situation.
Book a Free 15-Min ReviewYour equity is sitting there.
Put it to work.
Check your rate in minutes. No hard credit pull. No commitment. Funding in as few as 5 days.
MortgageToday LLC NMLS #2727066 · Not a commitment to lend · Equal Housing Lender · Licensed FL & TX
Home value estimates are not appraisals. HELOC availability subject to credit, equity, income, property type, lien position, occupancy, and lender guidelines. Not a commitment to lend.