Home Equity Line of Credit (HELOC)

Get the cash you need without leaving home

Apply with our 100% online application in minutes. Funding in as few as 5 days.

Find my HELOC rate

Checking your rate will not impact your credit.

You could borrow up to

$150K

Pre-qualified in minutes

Estimated payment

$1,152/mo

on $150,000 at 8.49% APR

What is a HELOC?

A HELOC is a revolving line secured by your home. You draw what you need (up to your credit limit), repay, and can draw again — similar to a credit card, but typically at lower rates because it's secured.

◆ For business owners

Pay off expensive MCAs with your home equity.

Merchant Cash Advances can carry effective rates of 60–150% APR with daily or weekly debits that strangle cash flow. A HomeLine HELOC lets you replace that debt with a single, far cheaper monthly payment — secured by your home, not your receivables.

  • Stop daily / weekly ACH debits draining your business
  • Replace 60–150% MCA factor rates with single-digit HELOC pricing
  • Free up working capital to actually grow the business
  • Use draws to pay off multiple MCAs at once

A real-world example

$100,000 in outstanding MCA balances vs. paying it off with a HomeLine HELOC.

Typical MCA

~$1,800

per week in debits

Effective APR

80–120%

HomeLine HELOC

~$770

per month

APR

8.49%

Illustrative. Actual rate and payment depend on credit, equity, and term.

See if I qualify

From application to funding in days, not months.

01

Apply online

Complete our 100% digital application in about 5 minutes.

02

Get your offer

See your personalized rate and terms with a soft credit pull.

03

Receive funds

Funding in as few as 5 days, deposited directly to your account.

◆ Adjust the slider to see your custom estimate.

How much could I borrow with a HELOC?

$150,000

$15,000$750,000

Estimated monthly payment

$1,152/mo

Based on a 30-year term at 8.49% APR. Actual rate depends on credit & equity.

Find my HELOC rate

A HELOC reimagined for the way you live now.

Borrow up to $750,000
Approval in as little as 5 minutes
Funding in as few as 5 days
100% online — no in-person appraisal
Soft credit pull when you check rates
Fixed-rate draws for predictable payments

Frequently asked questions

What is a HELOC?

A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home. You can draw funds as you need them up to your approved limit, repay, and draw again — similar to a credit card, but typically at much lower rates because it's secured by your property.

How fast can I get funded?

Most borrowers complete the application in under 5 minutes and receive funding in as few as 5 days. The entire process is 100% online — no in-person appraisals or notary visits required.

Will checking my rate affect my credit?

No. Checking your rate uses a soft credit pull, which has zero impact on your credit score. A hard pull only happens if you decide to move forward with a full application.

How much can I borrow?

You can borrow between $15,000 and $750,000 depending on your home's value, available equity, and creditworthiness. Use the calculator above to estimate what you may qualify for.

What can I use a HELOC for?

Anything you'd like — home improvements, debt consolidation, education, medical expenses, or major purchases. Most borrowers use HELOC funds because the rates are lower than credit cards or personal loans.

Are there any fees?

We charge a one-time origination fee that's rolled into your loan. There are no application fees, no appraisal fees, and no prepayment penalties — ever.

Your home is worth more than you think.

Check your rate in minutes with no impact to your credit score.

Find my HELOC rate