Heloc Loans

Turn Your Home's Equity Into a Financial Tool

Access the value you've built — on your timeline, for whatever you need.

If you've owned your home for a few years, chances are you've built up meaningful equity. A Home Equity Line of Credit, or HELOC, lets you tap into that equity without selling your home or refinancing your entire mortgage. Think of it like a credit card secured by your home — you borrow what you need, when you need it, and only pay interest on what you actually use.

HELOCs are one of the most flexible financial tools available to homeowners. Whether you're funding a home renovation, consolidating high-interest debt, covering college tuition, handling unexpected expenses, or building an investment fund, a HELOC gives you access to cash at a much lower interest rate than most other borrowing options.

Here's how it works: once approved, you'll have a draw period — typically 10 years — during which you can borrow from your line as needed and make interest-only payments.

After the draw period ends, you'll enter the repayment phase where you pay back both principal and interest. The interest on a HELOC may even be tax-deductible when used for home improvements (check with your tax advisor on that one).

To qualify, we'll look at your available home equity, credit score, and debt-to-income ratio. Most lenders allow you to borrow up to 80–90% of your home's appraised value minus what you still owe on your mortgage. If your home has appreciated in value, you may have more borrowing power than you think.

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