Home Equity
Line of Credit
Flexible access to cash for homeowners without refinancing. Your home has likely increased in value — a HELOC lets you turn that equity into usable funds without replacing your current mortgage.
How Much Equity Can You Access?
Estimate your tappable equity in seconds
Enter your property details below to see how much equity may be available to you based on real CLTV program guidelines — no credit pull required.
- Instant estimate — no credit pull required
- Based on real CLTV program guidelines
- Covers primary, second & investment properties
- Send your results directly to our team
Results are estimates only. Final approval is subject to full underwriting review, appraisal, and lender guidelines.
HELOC Tappable Equity Calculator
Results are estimates. Final approval depends on full underwriting review.
Why Homeowners Choose a HELOC
Keep Your Current Mortgage
No need to refinance your first loan just to access equity. Your existing rate stays exactly where it is.
Only Pay for What You Use
A HELOC is a revolving line of credit. Draw funds as needed and pay interest only on what you borrow.
Use It for What Matters Most
Your equity becomes a powerful financial tool, ready to work for your goals on your timeline.
Common Uses
Program Features
- Primary residences
- Second homes
- Investment properties
- 1–4 unit properties
- Warrantable condos
- DTI ratios up to 50%
- Manual underwriting
- Clear credit guidelines
- Rental income considered
- First or second lien options
- Min. initial draw of $50,000
- No prepayment penalty
- Prime-based variable rate
- Lifetime rate cap
- Flexible income docs
- Asset verification
- Property valuation
