HELOC – Unlock Your Equity in 5 Days or Less
A Home Equity Line of Credit (HELOC) gives you fast, flexible access to your home’s equity—without touching your first mortgage. With our streamlined process, you can close and access funds in as little as 5 business days.
5 Days to Funding: Smarter, Faster, Better
Works with Nearly Any First Mortgage — FHA, VA, Conventional, Non-QM, and more … as long as you meet equity and credit criteria, we can layer in our HELOC fast.
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How It Works
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Why Choose a HELOC?
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Typical HELOC Terms
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Who It’s Best For
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Ineligible Property Types
From Application to Cash in 5 Days
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Apply in Minutes – Complete a quick digital application—no paperwork, no hassle.
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Get Offers Fast – Our platform matches you with competitive HELOC options instantly.
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Close & Fund in 5 Days or Less – Most clients are funded within 5 business days, with some closings happening same-day.
Flexible Cash Without Refinancing
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Speed Matters – Unlike traditional lenders that take weeks, we deliver funding in 5 days or less.
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Flexibility – Borrow what you need, when you need it. Pay interest only on what you use.
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Keep Your Mortgage – No need to refinance your first loan—your HELOC is a separate line of credit.
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Smart Cash Access – Ideal for home improvements, debt consolidation, emergency expenses, or investment opportunities.
Clear, Simple, and Transparent
Client Feedback: Borrowers consistently report overwhelmingly positive experiences with the 5-Day HELOC program, praising its speed, simplicity, and transparency.
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Draw Period: 5–10 years (interest-only payments may apply)
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Repayment Term: 10–20 years after the draw period ends
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Maximum Line Amount: Based on available home equity and program guidelines
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Interest Rate: Variable, determined by credit profile and market conditions
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Closing Timeline: 5 business days or less with streamlined digital underwriting
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Underwriting: Fast and simple, designed for ease of use
Disclaimer: Terms are subject to change. Maximum line amounts apply. Interest rates vary based on credit profile, and line amounts are determined by equity available. Final approval depends on multiple underwriting factors.
Homeowners Who Need Speed & Flexibility
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Homeowners needing quick cash access.
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Investors acting on time-sensitive deals.
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Families planning renovations without refinancing.
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Borrowers consolidating high-interest debt at lower rates.
Properties Not Eligible for the 5-Day HELOC
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Co-ops
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Commercially zoned real estate
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Multi-family properties with 5 or more units
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Manufactured housing
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Timeshares
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Log homes
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Houseboats
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Mixed-use properties
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Properties exceeding 20 acres in size
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Properties located in designated disaster areas
These restrictions ensure that the HELOC program remains streamlined, and focused on standard, best suited for fast valuation and underwriting.
Flexible HELOCs for Every Property Type
Our 5-Day HELOC program is built to give you maximum flexibility and speed, no matter what your goals are. From homeowners seeking upgrades to investors expanding portfolios, this program adapts to your needs while delivering cash access in record time.
Our 5-Day HELOC gives you the flexibility to access equity without disrupting your current mortgage.
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1st Lien HELOC – Perfect if your home is paid off or you want it as your main loan.
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2nd Lien HELOC – Keep your low-rate mortgage intact while adding a HELOC behind it.
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No Need to Refinance – Avoid replacing a great first mortgage with a higher rate.
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Built for Flexibility – Unlock equity on your terms, with a process designed for speed and simplicity.
This flexibility means you don’t have to disrupt your current mortgage setup. Whether protecting a low first-mortgage rate or leveraging a paid-off property, the program is designed to meet you where you are.
This HELOC is available across multiple property types and is built for quick approvals.
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Primary Residences – Use equity for renovations, debt consolidation, or major expenses.
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Second Homes – Tap into value from your vacation or secondary residence.
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Investment Properties – Access equity to reinvest, renovate, or expand your portfolio.
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No Full Appraisal – Automated Valuation Models (AVMs) keep the process moving.
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Digital Underwriting – Paper-light, streamlined, and hassle-free.
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Funding in 5 Days or Less – Most clients close in under a week, with some same-day approvals.
Ready to Unlock Your Equity?
Get started today and see how quickly you can access your home’s equity.