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Unlock Your Home Equity with Flexible HELOC Options
Your home equity can do more than just sit there. With a fully amortizing HELOC and flexible 10, 15, 20, or 30 year terms, you can put that equity to work, whether you’re consolidating debt, funding a renovation, or just planning ahead. The process is fast and streamlined too, so you could have access to funds in as little as 5 business days.
This loan is perfect for:
This loan is perfect for:
- Home renovations
- Debt consolidation
- Debt consolidation
- Emergency expenses
- College tuition
- Investment opportunities
- Highlights
- Fast, fully automated underwriting
- Soft credit pull for your initial offer, so there's no impact on your credit score
- Household income can count toward qualifying, meaning steady income from family members living in the home may be included
- Available for primary, secondary, and investment properties
- No prepayment penalties after 16 weeks
- Minimum credit score: 640
Flexible HELOC with 100% Initial Draw and No Prepayment Penalty
Once approved, you’ll get an initial draw equal to 100% of your credit line, and you’re free to prepay up to 90% of it right away with no penalty. Depending on your term, your HELOC may work like revolving credit too, letting you borrow, repay, and borrow again throughout your draw period.
The system builds personalized offers around your specific goals, whether that’s paying off credit cards, personal loans, or an auto loan, tackling a home improvement project, or something else entirely.
Best part? You get access to your equity quickly and efficiently, without refinancing your first mortgage or giving up the low rate you already have.”
A HELOC can also be an excellent tool for purchasing your next investment property or financing major home improvements without refinancing your existing first mortgage.
Property Types
• Single-family residences
• Townhomes
• Planned unit developments
• Condominiums
• Duplexes
• 3–4 unit properties
• Secondary homes
• Investment properties
Valuation
No appraisal needed here. Your home's value is determined through an Automated Valuation Model, so you get results in seconds through a fully online, automated process. One thing to note: if you purchased your home or had the title transferred to you within the last 90 days, you won't be eligible yet."
- Determined by AVM (Automated Valuation Model)
- No appraisal required
- Results in seconds
- Fully online and automated
- If you have purchased your home in the last 90 days or if the title was transferred to you in the last 90 days you are not eligible