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Instant HELOC

Are you a homeowner in VA, PA, or DC? If so, you can access your home’s equity fast with our Instant HELOC offer. This expedited HELOC option allows you to secure cash fast, as most Instant HELOCs close within a few business hours. No need for refinancing, arduous paperwork, a long underwriting process, appraisal, or out-of-pocket costs. Apply now to get started!

Apply Now

Instant HELOC

Are you a homeowner in VA, PA, or DC? If so, you can access your home’s equity fast with our Instant HELOC offer. This expedited HELOC option allows you to secure cash fast, as most Instant HELOCs close within a few business hours. No need for refinancing, arduous paperwork, a long underwriting process, appraisal, or out-of-pocket costs. Apply now to get started!

Apply Now

HELOC

What is an Instant Home Equity Line of Credit?

One of the most exciting benefits of being a homeowner is building tangible equity through your investment. With a HELOC, you can draw on your available equity as a form of a credit to help you with expenses. The Instant HELOC from Federal Hill Mortgage allows you to benefit from your equity fast, as most qualified applicants are approved within a few hours. 

Instant HELOCs have a slightly different repayment process as opposed to traditional HELOC offerings. During your repayment period, you’ll simultaneously pay down your principal and interest. This allows you to pay off your Instant HELOC in a more efficient timeline. 

Your home’s equity is used to back the line of credit, allowing you to benefit from the equity you’ve been building. With Federal Hill Mortgage’s Instant HELOC option, you can secure your money within hours in an efficient manner.

The Benefits of an Instant HELOC

Closes Within a Few Hours

No Appraisal Needed

No Out of Pocket Costs

No Documentation Required

The Benefits of an Instant HELOC

Closes Within a Few Hours

No Appraisal Needed

No Out of Pocket Costs

No Documentation Required

What You Need to Know About the Instant HELOC Offer

  • Currently only available in Virginia, Pennsylvania, and Washington DC

  • 200K loan minimum, 400K loan maximum

  • 640 minimum credit score
  • 680 minimum credit score for investment properties

  • 50% Max DTI

  • Access 70% of the value of an investment property

  • Access 85% of the value of a primary residence

What People Say About Us

Client Testimonials

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"Finding commercial real estate financing in the current environment is really difficult. Many people have given up. We were recommended to Tammy by a friend and she was able to introduce us to a lender. She followed up dilligently to ensure that the transaction went through without incident. We wouldn't hesitate to use her again."
Mark A. GrossOwner, Linestanding.com
"Hands down, this is the best, and most helpful company you could choose to help you finance your home. From start to finish, Tammy and staff offer the most professional advice, are promtly responsive to emails, and will work with you every step of the way to ensure financing is secured with the lowest interest rate possible. Tammy does a fabulous job answering any and every question about this often challenging and frustrating process. With so many changes to mortgage laws and all of the documentation required to secure financing, you won't be disappointed by the assistance they provide every step of the way!!!"
Daniella HerdmanBaltimore, MD
"We have been working with Tammy from Federal Hill Mortgage for several years and have a great working relationship. As real estate investors primarily investing in Baltimore, we value the expertise Tammy brings to our team in helping us obtain financing for properties we purchase for resale and for hold/rent. We consider Tammy a valued member of our team and look forward to doing more deals with FHM in the future.
Dan Stebbins
"Tammy was very helpful with my refinance. She made the process simple and she got it done! I will be using Federal Hill Mortgage again for any new purchases."
April Mitchell
"Let me first start off by saying Tammy is a godsend to the lender community. I honestly do not know what I would have done without her assistance on a recent refinance. When all other lenders said no (and I truly mean all others said no).... Tammy and Federal Hill said yess!! She put in countless hours to get my loan to closing even when it meant working late hours and weekends. I am positive I will work with Tammy and Federal Hill Mortgage again in the near future. I have already raved to my friends and family about my experience and recommended that they too should use Federal Hill Mortgage for their future lending needs. Thanks again Tammy!"
Marcus Hill
"Tammy is the best in the business. Tammy and her staff bring it all to the table during a real estate transaction: excellence, education, experience, precision, respect, and a rare dedication to serving people promtly. Tammy actually researches each borrower's situation-and then she charts the course to a successful closing. I am impressed with her. Tammy answered my initial distress call late one Sunday, we had never worked together before. Within five minutes she knew the facts of my transaction and provided recommendations. I was sold on her immediately. My clients decided to work with her after another lender failed to perform on time. There is absolutely no comparison, Tammy and Tiffany do a flawless job!"
Norine ThomasRe/Max 100 Columbia
"Many of my clients use Tammy for their hard to place loans. Simply put, she has access to companies that other mortgage brokers do not and has a reputation of getting them done in a timely and professional manner."
Steven LurayPresident/Agent, Luray Insurance Agency
"Tammy and Tiffany are an excellent team. As a new resident to the Maryland area, they took the time to explain the mortgage process and kept us informed each step of the way. The team was very professional and responsive to any questions and concerns we had. I would highly recommend their services to anyone."
AD & Sadia ArnoldCEO
"I had the pleasure of working with both Tammy and Tiffany. They were both an absolute delight to work with. They both always made me feel like I was the companies most important client. They were very pleasant and knowledgeable. I would recommend Federal Hill Mortgage!"
Teresa Garner
"Tammy and Tiffany are the ultimate team. Since I have done mortgages in the past with them, they made it easy to provide what is needed for processing. They got me an awesome rate on an investment property and made the process totally smooth. I will continue to refer people and do all of my loans with them."
Eric Blonquist

Make the Most of Your HELOC

At Federal Hill Mortgage, we believe in making mortgage products more efficient and accessible. Our Instant HELOC is tailored to make your life easier, and allow you to quickly get the most out of your home’s equity. Whether you want to make a big purchase, invest in a business, or remodel your home, an Instant HELOC is a great option to expand your finances. 

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