Put your home’s equity to work.
How does a HELOC work?
A home equity line of credit lets you borrow against the equity in a property, draw what you need when you need it, and pay interest only on what you use. You do not need to go to a bank to get one, and in many cases a brokerage can place a line a bank would decline.
Which equity option fits you?
Automated HELOC
A streamlined, mostly online process designed to get from application to funding with far less paperwork than a full mortgage. The right fit when your income is documented and your credit profile is clean.
Full Documentation HELOC
A fully underwritten line for larger amounts and more complex files: self-employed borrowers, multiple properties, or situations the automated programs cannot read. More paperwork, more flexibility.
Piggy-Back HELOC
A line opened alongside a new first mortgage at purchase, used to structure the transaction: reducing the first mortgage amount, avoiding mortgage insurance, or keeping payment flexibility for renovations.
HELOAN
A fixed rate home equity loan: one draw, one fixed payment, a set term. The better tool when you know exactly how much you need and want the payment to never move.
Can you get a HELOC on an investment property?
Yes. We place lines in first, second, and even third position, on primary residences, second homes, and investment properties, which most banks will not touch. Investors use these lines for renovations, reserves, and down payments on the next property.
How do you start?
Complete the application, or the short equity form below, and we will tell you what your equity can do. If you would rather talk it through first, call us at 813-727-3621.