🏠 This residential loan program is exclusively available for Texas borrowers.

← All Loan Programs🏦 HELOC

Home Equity Loans & HELOCs

Access your home equity as a revolving credit line or lump sum.

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Overview

Home Equity Lines of Credit (HELOCs) and Home Equity Loans let you borrow against the equity in your home without refinancing your primary mortgage. A HELOC works like a credit card with a draw period; a Home Equity Loan gives you a lump sum at a fixed rate.

  • Access equity without touching your existing mortgage rate
  • Pay interest only on what you use (HELOC)
  • Funds available as needed for ongoing projects

Loan Specifications

Min Amount

$25,000

Max Amount

Up to 85–90% combined LTV

Loan Term

10-year draw + 20-year repayment (HELOC)

Max LTV

Up to 85–90% CLTV

Amortization

Interest-only during draw, then fully amortizing

Rate Type

Variable (HELOC) or Fixed (Home Equity Loan)

Eligibility Criteria

  • Minimum 620–680 credit score
  • Combined LTV (CLTV) under 85–90%
  • Stable income and employment
  • Primary or secondary residence

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • Recent mortgage statement
  • Property appraisal or AVM
  • 2 years tax returns
  • Last 30 days pay stubs
  • 2 months bank statements

Frequently Asked Questions