HELOC Express
Tap your equity. Keep your low rate.
Access $25K–$750K from your home without touching your first mortgage. Fast, simple, 100% online — funding in as few as 5 business days.
5 min
Online application
5 days
To funding
$750K
Max line
0.25%
Autopay rate discount
Why HELOC Express
A smarter alternative to a cash-out refi.
Home improvements, debt consolidation, investments and more — usually at a lower cost than personal loans or credit cards.
Keep your low mortgage rate
The HELOC sits behind your existing mortgage — your first loan and its rate stay untouched.
$0 out of pocket
Origination fees are rolled into the loan. Nothing to bring to closing.
Soft credit check first
See what you pre-qualify for with no impact on your credit score.
100% online, fast
Apply on any device in about 5 minutes. Fund in as few as 5 business days.
Program details
The numbers at a glance.
Line amount
$25K – $750K
Max per borrower
Terms
10 / 15 / 20 / 30 years
Fully amortizing
Minimum credit
600 primary · 680 second home/investment
Experian FICO 9, primary applicant
Max CLTV — primary home
Up to 85%
Depends on credit, lien position & amount
Max CLTV — second home/investment
80% 1st lien · 70% 2nd lien
Not available in TX or NY
Max CLTV — 3rd lien
70%
Primary residences only
Lien position
Up to 3rd
Max 2nd for non-owner occupied
Debt-to-income
Under 50%
Debts can be paid off at closing to qualify
Rate discount
0.25%
With autopay enrollment
Draw periods
Draw again after closing — $500 minimum, no credit re-pull, no prepayment penalty.
Term
Draw period
10 years
3 years
15 years
4 years
20 years
4 years
30 years
5 years
Available in 32 states
Second homes and investment properties are not available in TX or NY.
AL
AK
AR
CO
CT
DE
FL
GA
IL
IN
KY
LA
ME
MD
MA
MS
MO
MT
NE
NH
NM
NY
NC
OK
PA
SC
TN
TX
WA
WV
WI
WY
Property eligibility
Does my home qualify?
- Single-family homes
- Townhomes & PUDs
- Condos (FL: 70% CLTV cap on lines over $400K)
- Duplexes
- 3–4 unit properties (valuation required)
- Second homes & investment (not in TX or NY)
- Co-ops, manufactured homes, timeshares, houseboats
- 5+ unit, mixed-use or commercially zoned
- Over 20 acres (10 acres in TX)
- Homes with a reverse mortgage
- Purchased within the last 90 days
- Land trusts, leasehold, ground lease, life estate
How it works
Start to funded in about 5 days.
01
Apply online
5-minute application on any device.
02
Soft credit check
Instant pre-qualification — no score impact.
03
Verify ID & income
Link your accounts securely — mostly automated.
04
Notary & funding
eNotary by video or in person, then funds release.
Primary residences include a 3-business-day rescission period. eNotary runs by video (camera and mic required) Mon–Fri 6 AM–9 PM PT and weekends 6 AM–5 PM PT. Counties without eRecording use an in-person notary scheduled at least 24 hours ahead.
Before you apply
Get ready to upload & link your accounts.
Most income and identity verification happens by securely linking accounts — no stacks of paperwork. Have these logins and documents handy and you can finish in one sitting.
Bank accounts (via Plaid)
Have your online banking login ready. Accounts need at least 180 days of history. Business accounts are accepted.
Asset accounts (via Plaid)
Savings, retirement (401k, IRA, Roth) and investment account logins, if you want them counted.
Paystubs (via PointServ)
At least 3 paystubs, with one dated within 5 weeks of starting your application. Your payroll/employer portal login helps.
Tax returns
Most recent year (2 years if self-employed), linked through PointServ or your IRS.gov account — set up IRS.gov access ahead of time.
Photo ID
Driver's license, state ID, passport, passport card or green card. A clear photo with all four corners visible — scans aren't accepted. A valid SSN is required.
Unfreeze your Experian credit
If your credit is frozen, unfreeze it with Experian before you start and keep it unfrozen for the whole application.
14 days to reach account linking
29 days after a hard credit pull
45 days if an appraisal is required
Quick checks: wait 45 days after a recent refinance is recorded, unfreeze Experian before starting, and make sure every person on title can sign — Power of Attorney isn't accepted. Trusts (full certificate of trust) and LLCs (25%+ ownership, good standing; not HI, KS, NY, TX, UT) can qualify.
FAQ
Credit, equity & everything else.
The minimum is 600 for a primary residence and 680 for a second home or investment property, based on the primary applicant's Experian FICO 9 score. Higher scores can unlock higher CLTV limits and better pricing.
On a primary home you can borrow up to 85% combined loan-to-value (CLTV) — your current mortgage balance plus the new line. Example: a $400,000 home × 85% = $340,000; minus a $200,000 mortgage leaves up to about $140,000 of available equity. Second homes/investment properties go up to 80% (1st lien) or 70% (2nd lien), and 3rd liens up to 70%.
No. Pre-qualification uses a soft credit inquiry with no impact on your score. A hard pull only happens later if you choose to move forward.
No. The HELOC sits behind your existing mortgage, so you keep your current rate and payment.
$0 out of pocket. The origination fee is included in the loan amount, so nothing is due at closing.
The full line is drawn at closing, and you can draw again during the draw period (3–5 years depending on term). Minimum draw is $500, credit is not re-pulled, and there are no prepayment penalties.
Wait about 45 days after your refinance is recorded with the county so the new lien reports correctly. Homes purchased within the last 90 days aren't eligible yet.
The limit is under 50% DTI, but debts can be paid off with the HELOC at closing to help you qualify.
In many community or marital income states, yes (including IL, FL, TX and others). In states like CT, GA, IN, MD, MA, NY and PA only the primary applicant's income can be used.
14 days to reach the account-linking step, 29 days after a hard credit pull, and 45 days if an appraisal is required.
Everyone on title completes notary. Power of Attorney is not accepted, and in community property or homestead states a spouse may need to sign even if they're not on title.
32 states including Illinois. See the full list on this page. Outside those states? Call us — we may have an alternative program.
Real money. Real fast.
See what you pre-qualify for in minutes — no impact to your score.
All loans subject to credit approval and lender underwriting. Rates, terms and amounts subject to change and may vary by state and property. Informational only — not an offer to lend. Equal Housing Opportunity.