The case in four points.
Lower rate than the alternatives
HELOC pricing typically runs Prime to Prime + 2. That is two to six points cheaper than unsecured business credit, term loans, and most marketplace products.
Revolving, not lump sum
Draw what you need, pay it down, redraw later. You only pay interest on the outstanding balance, not the full limit.
Use it for anything
Renovation, debt payoff, business capital, or keeping dry powder for the next opportunity. You decide each draw.
Soft pull first
We start with a soft pull and compare lenders before any hard inquiry hits your report.
The process. Step by step.
Equity check
We confirm your home value, current mortgage balance, and how much equity you can actually draw against.
Lender match
We run your file past multiple HELOC lenders and rank them on draw period, rate floor, and closing costs.
Underwrite and appraise
Lender orders the appraisal. Your underwriter handles the doc requests and conditions so you are not chasing email threads.
Line live
Sign and the line opens. Draw from your online banking any time, no new application each time.
Probably you, if any of these are true.
- Homeowners with 20%+ equity built up
- Founders who want a low-rate alternative to unsecured business debt
- Households planning a renovation or addition
- Investors who want a standby line for opportunity buys
- Anyone consolidating higher-rate consumer debt
Track record
By the numbers
Up to 90%
Combined LTV available
From P+0
Rate range
10 yr
Typical draw period
2 – 4 wk
Time to fund
Things people ask first.
Most lenders go up to 80 to 90 percent combined loan-to-value. If your home is worth $500K and you owe $300K, you can typically access $100K to $150K depending on lender and credit.
HELOCs are variable and tied to Prime. Most offers land between Prime and Prime + 2, based on credit, LTV, and the lender. We quote multiple lenders so you see where you actually price.
Yes. The lender does not dictate the use. Many founders run their HELOC as the cheapest capital line they have, funding working capital, equipment, or the next deal.
We start with a soft pull. The hard pull only happens once you pick a lender and move forward, usually after terms are already locked in writing.
We can refinance into a better rate or a bigger limit if your equity has grown. We pull the payoff on your current line and quote both sides.
Pull equity at a rate your business debt cannot match.
One application, multiple lenders quoted, one underwriter running the close.
Soft credit pull. No hard inquiry unless you accept terms.