Put your home's equity to work.
Turn the equity you've already built into flexible cash — with flexible rate options, lines up to $750,000, and your first mortgage left exactly where it is.
What is a HELOC?
A Home Equity Line of Credit lets you borrow against the equity in your home while keeping your existing primary mortgage in place. Rather than a lump sum, you get a revolving line: draw what you need during the draw period, pay interest only on what you've used, and repay over time. It's a flexible way to fund renovations, consolidate high-interest debt, or keep a reserve ready.
- No impact to your first mortgage
- Flexible rate structures available
- Soft credit pull to start
- Funding in as few as 5 days
- Lines up to $750,000
Why homeowners choose HOM.
Flexible rate options
Choose the rate structure that fits your plans — your advisor walks you through the options for your scenario.
High borrowing limit
Access substantial equity — up to $750,000 — for major expenses or opportunities.
Quick qualification
See if you may qualify in about 5 minutes through a streamlined assessment.
Fast funding
Cash in as few as 5 days from approval to your account.
Soft credit inquiry
The initial rate check requires no hard pull and no Social Security Number.
Preserved primary rate
Borrow against your equity without touching your low first-mortgage rate.
Direct, transparent, and yours.
Direct lender model
We lend directly, with relationships straight to the capital markets, so your line is priced directly by us as your lender — with competitive rates, checked daily.
Transparent fee structure
One transparent process — no separate application, admin, or processing add-ons padding your costs. Other lender fees, third-party fees, and program-specific charges may apply.
Dedicated support
An advisor who specializes in home equity lending guides you from check-my-rate to funded.
What a HELOC can do.
Home renovation
Finance kitchen upgrades, additions, or improvements with real value potential.
Major expenses
Cover tuition, a wedding, medical bills, or other significant costs.
Emergency reserve
Keep accessible funds on hand for unexpected needs or opportunities.
Four steps to funded.
Check your rate
A few quick questions. Soft pull only — no hard credit check to start.
See your available amount
Get your estimated available line in seconds — no guessing.
Verify & approve
Confirm your details for a preliminary result in about five minutes; final approval follows verification.
Receive funding
Sign digitally and access your cash in as few as five days.
HELOC FAQs.
What's a HELOC?
Does this touch my first mortgage?
How much can I borrow?
Will checking my rate hurt my credit?
How fast can I get funded?
What are my rate options?
Tap into what you've built.
Your equity is ready when you are. Check your rate in minutes — soft pull only, no SSN required to see your options.
Important rate & fee disclosures
Using a soft credit pull to check rates only will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Variable rates may increase after closing. APRs and rates vary by credit profile, combined loan-to-value, and line characteristics and are subject to credit approval. Lines are secured by a first or second lien on an owner-occupied primary residence. Origination and third-party fees may apply; no separate administrative or processing fees. A draw period is followed by a repayment period, and minimum payments during the draw period may not reduce principal. Interest may or may not be tax-deductible; consult a tax advisor. Not a commitment to lend.