Home Equity Line of Credit - HELOC.

Starting with 640+ Credit Score, up to 90% CLTV:

We understand that each homeowner's financial situation is unique. That's why we offer our Standalone HELOC to borrowers starting with a FICO score of 640 or higher, with the potential to take up to 90% of their Combined Loan-to-Value (CLTV).

Up to 50% DTI:

Worried about your debt-to-income (DTI) ratio? With our Standalone HELOC, those with a DTI of up to 50% can still qualify, providing greater flexibility for homeowners with existing financial commitments.

3- and 5-Year Draw Periods:

Choose between a 3-year or 5-year draw period, allowing you to tailor your repayment schedule to align with your financial goals and cash flow needs.

Easy Access to Funds:

Whether you need a small line of credit or a larger sum, our Standalone HELOC offers loan amounts ranging from $25,000 to $500,000, ensuring you have access to the funds you need, when you need them.

Flexible Appraisal Options:

Depending on the loan amount, you may qualify for alternative appraisal options such as AVM, Broker Price Opinion, or desktop appraisal, streamlining the application process and reducing paperwork.

Eligible for Primary, Secondary, and Investment Homes:

Secondary, and Investment Homes: Whether you're looking to tap into the equity in your primary residence, vacation home, or investment property, our Standalone HELOC is available for most types of properties, offering versatility and convenience.