Your Equity.
Your Weapon.
You've built equity in your home — now put it to work. A HELOC gives you a flexible line of credit backed by your home's value, on your terms.
🔒 No SSN required · No credit pull · 100% confidential
Draw What You Need.
Pay What You Use.
A HELOC is a revolving line of credit secured by your home. Unlike a cash-out refinance, you don't take a lump sum — draw funds as needed and only pay interest on what you use.
- ✓Borrow up to 90% of your home's value (CLTV)
- ✓Draw period: 10 years, repayment: 20 years
- ✓Interest-only payments during draw period
- ✓Variable rate tied to prime (fixed options available)
- ✓No closing cost options available
- ✓Fast approval — as little as 5 business days
| Feature | HELOC | Cash-Out Refi |
|---|---|---|
| Payout | Flexible line | Lump sum |
| Draw As Needed | Yes ✓ | No |
| Existing Mortgage | Kept intact | Replaced |
| Payments | Interest only | Full P&I |
| Best For | Ongoing needs | One-time needs |
Put Your Equity To Work
HELOC funds can be used for virtually anything. Here's how our clients use theirs.
Fund your kitchen remodel, addition, or full renovation — and potentially increase your home's value.
Pay off high-interest credit cards at your HELOC's much lower rate. One payment, serious savings.
Use your HELOC as the down payment on your next rental property without depleting cash reserves.
Fund college tuition at rates far below private student loans. Your equity works harder than any savings account.
Open a HELOC before you need it and use it as a financial safety net. Only pay interest when you draw.
Fund business growth or operations with lower rates than business loans and no equity dilution.
HELOC FAQ
Most HELOCs have a variable rate tied to the prime rate. We also offer fixed-rate HELOC options that lock in your rate for the full draw period — ask your advisor about availability.
You typically need at least 10–20% equity remaining after the HELOC (CLTV of 80–90%). The more equity you have, the larger the line we can offer.
Yes, though investment property HELOCs have slightly stricter requirements — typically max 70–75% CLTV and a higher credit score. Contact us to discuss your specific property.
Unlock Your Equity Today.
Find out how much you can access — no credit pull required.
Check My Equity →100% confidential · No credit pull · No SSN required