5-DAY HELOC

[ Home Equity Line of Credit ]

  • Close Fast.

  • Minimal Paperwork.

  • 5-Year Draw Period.

  • Pay Off At Any Time.

  • Easiest HELOC on Market Today!

No Obligation Quote

Get a no-hassle online rate quote in just minutes, with no impact to your credit. There are no catches here!

Digital Process

From “apply” to “approved” to closing, do everything online. No meetings, printing or scanning!

Fast Funding

Depending upon the program you choose (HELOC or HELOAN), you can close in as little as 5 days!

Instead of refinancing your first mortgage, you simply take out a “second loan”. This can make sure that the rate on your first loan doesn’t change, in case it’s lower than a current market rates.

How does a Second Mortgage work?

In the example above, John has a home value of $800,000, with a first mortgage balance $300,000. He is taking out a HELOC in the amount of $150,000 and the first mortgage remains as-is.

REACH YOUR GOALS TODAY!

What can a Second do for you?

  • Remodel Your Home

  • Consolidate Card Debt

  • Pay For Major Purchases

  • Payoff Student Loan Debt

  • Purchase a Second Home

  • Pay off Medical Bills

  • Unexpected Life Events

You are only three easy steps your goals:

Get a customized, no-hassle quote in minutes. There is no obligation and no sales tactics here. Best of all there is zero impact to your credit scores.

Get The Details

Complete Online

Do the entire application via phone or online, we will walk you through it all. Simply sign all disclosures from the comfort of your own home.

Sign Documents

Access your home’s equity in a matter of a couple weeks, not months! All documents are digital, closing is based around your schedule with a mobile notary.

without impacting your credit score.

FAQ’s

  • HELOC / HELOAN rates can vary as they are based off of your specific scenario. Additionally, the Fed set rate (plus a margin) can move the needle.

  • Although we offer both, our 5-day HELOC is a 30-year fixed rate option.

  • Our program currently required a FICO score as low as 640+. This is always subject to change so if you may be concerned, be sure to ask us while on a call!

  • As long as you meet the IRS requirements, yes you can deduct all interest when using to buy, build or improve your/a home. It’s important to note, you may need to itemize deductions on your tax return in order to claim the interest deduction. Always be sure to consult a tax advisor for your specific details.

  • Maybe, Our 5-Day HELOC doesn’t require one as the value is determined by an automated valuation model (AVM).

    A HELOAN depends as well, sometimes one is not required.

  • Absolutely not! If you decide to pay back all funds taken, you can close at any time without a fee.

  • No, this is your money! You have paid into your home and yours to keep, without any tax implications.

  • There are zero annual or monthly fees!

  • The investor used for our 5-day program is unique! It is a digital A.I. underwrite. This allows for a fast and streamlined process rarely found elsewhere.