Keep your low mortgage rate.
Unlock your equity.
Access up to $750,000 without replacing your current mortgage. Apply online in about five minutes with no impact to your credit.
Check my eligibilityHow it works
From application to funds in four simple steps.
Why homeowners choose a HELOC
Start Your HELOC Application
No documents required to get started•Secure•About 5 minutes
Common questions
How much can I qualify for?
Credit lines range from $25,000 to $750,000. Your amount depends on your property's value, your existing mortgage balance, and your credit profile — the application shows you what you may qualify for in minutes.
Does this affect my current mortgage?
No. A HELOC is a separate line of credit secured by your property — your existing mortgage, and its rate, stay exactly as they are.
Do I need an appraisal?
No appraisal appointment is required. Property valuation is handled electronically as part of the streamlined process.
How fast can I receive funds?
Funding in as few as 5 business days after approval, depending on your property and profile.
Will checking my options affect my credit?
No — seeing what you may qualify for will not affect your credit.
Can I use it for an investment property?
Primary residences, second homes, and investment properties may all qualify, depending on the state and property type.