Why choose a HELOC?
Speed
- 1-minute application with real-time pricing and Conditional approval decisioning in minutes.
- Average turn time of just 6 days (1)
- Zero-day close capability – loans can fund as quickly as the same day through automation and integrated treasury rails (1)
- Weekend funding available – we fund on Saturdays and Sundays, not just business days (1)
Technology
- Fully automated loan manufacturing, including underwriting, compliance, documentation, closing, and funding
- The platform automates much of the process, including income verification, property valuation, title, and closing
Bigger Credit Box
- Flexible guidelines including a minimum 600 FICO
- Up to 90% CLTV
- Loan amounts up to $750,000
- A broader credit box means more borrowers qualify, resulting in more loans closed
Fulfillment Flexibility
- Flexible valuation and income calculation options
- Solutions for payoff liens and title issues
- Ability to close loans held in trusts
- We can often save loans that other platforms decline
White Glove Service
- Borrowers receive support via phone, email, and chat throughout the process
- Every loan is assigned a dedicated Customer Experience Representative, providing personalized support from application through funding
Borrower-Friendly Terms
- No early termination fee and no prepayment penalty – borrowers can sell or pay off their loan at any time
- No mandatory buydowns or discount points
- Interest-only variable-rate payments reduce your initial monthly obligations but will result in higher payments during the repayment period when principal payments are required. (2)
- Soft credit pull for prequalification with no impact to the borrower’s credit score
We are committed to providing you with the competitive financial options to help you
achieve your dreams. Our HELOC program may be your answer.
(1)Actual funding times vary. Same day and weekend funding are subject to borrower execution, property valuation and automated underwriting approval.
(2) This is a variable rate mortgage product and the Annual Percentage Rate (APR) is subject to change monthly based on market indices.
Lines may be arranged through a third party.
