Check Your Eligibility for the Instant HELOC
Use the equity in your existing property to access funds fast. This form helps us determine if our Instant HELOC is a fit for your situation. You’ll get a quick response from our team within 1 business day. This is not a credit check or loan application.
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Instant HELOC: Cash From Equity in Under a Week
Help Your Clients Close Deals Faster Without Refinancing
- Funds in as little as 5–7 days: Perfect for buyers who need fast access to cash.
- No appraisal required (up to $500K): Speeds up closing and removes common friction.
- Minimal documentation required: Especially easy for W-2 borrowers. No tax returns needed.
| Eligible Property: | Primary, second homes, and investment properties (1–4 units). Property must be held in an individual's name (LLCs not eligible). |
| Property Location: | MD, DC, VA, PA, DE, NC, TX, and FL |
| Loan Amount: | $25,000 – $750,000 |
| Minimum FICO: | 640 for primary / 700 for investment |
| Maximum CLTV: | 80% (primary), 75% (second), 70% (investment) |
| Draw Requirement: | Minimum 75% of line must be drawn at closing (can be repaid immediately) |
| Income Verification: | Link bank account or upload W-2/paystubs (no tax returns needed for W2 borrowers) |
| Rate Type: | Variable, based on Prime + margin (currently ranges ~8%–11%) |
| Closing Timeframe: | 2–7 business days (online closing available in some cases) |
| Use of Funds: | Any purpose: down payment, renovations, reserves, debt consolidation, etc. |
