See your offers
Start with a soft credit pull to view eligible offers without impacting your score.
AUTOMATED HOME EQUITY LINE OF CREDIT
Turn your home's equity into cash.
See if you're approved online in as little as 5 minutes—with no impact to your credit score. Eligible loans may fund in as little as 3–5 days.
5 MinTo see if approved
3–5 DaysFunding available
$750KMax credit line
Soft PullTo view offers
Why homeowners choose this HELOC
Designed to make accessing equity feel straightforward.
See real offers first
A soft credit pull shows your options with zero impact to your score.
Automated verification
Eligible borrowers can securely link income or account information digitally.
Flexible income verification
Eligible bank deposits may be used instead of tax returns for qualifying scenarios.
No prepayment penalties
Pay it down or pay it off at any time, subject to program terms.
You choose the structure
Select the amount, rate, and term that fit your available offers and budget.
Program detailsSubject to eligibility & current guidelines
Credit line amount$25,000 – $750,000
Max loan-to-valueUp to 90%
Rate optionsFixed or Variable
Terms available10 – 30 Years
Draw period3 – 5 Years
Loan position1st – 3rd
Min. score – Primary600
Min. score – Inv. / 2nd680
Property typesSFR, Condo, Townhome, PUD, 1–4 Units
Cash at closing100% Available Upfront
AppraisalNot required up to $400,000
Program details are based on the current HELOC marketing material provided for this site. All terms remain subject to borrower eligibility, property, state, lender, and underwriting requirements and may change.
Put equity to work
One line of credit. A lot of possible uses.
How you use proceeds is your decision, subject to program requirements and applicable law.
Home RepairsRenovationsDebt ConsolidationCredit Card PayoffBusiness FundingInvestingADUsCollege TuitionMedical ExpensesWedding CostsEmergency FundVehicle PurchaseDown PaymentTravelOther Goals
How it works
From offers to funding in four steps.
Choose your terms
Select from the amount, rate, and term options available to you.
Verify & sign
Complete required income, identity, and documentation steps digitally.
Get funded
Eligible loans may fund in as little as 3–5 days.
★★★★★
“He truly went above and beyond to help me. Mr. Billy worked overtime to ensure I got the funds I needed through a home equity line on my property.”
Alex SanchezPublic Google Review
Common questions
Helpful answers before you move forward.
Does a HELOC replace my current first mortgage?
Generally, no. A HELOC is a separate line secured by the home, though final structure depends on the approved offer.
Are HELOC rates fixed or variable?
Structures vary, and many HELOCs use variable rates. Review the actual rate terms, fees, draw period, and repayment period before proceeding.
How quickly can a HELOC fund?
Timing varies by borrower, property, verification, state, and program. Any estimated timeline is conditional and not guaranteed.
How is the payment calculated?
HELOC payments are generally based on the balance actually used, not the unused portion of the available line. The required payment still depends on the approved terms, current rate, draw or repayment period, fees, and any minimum-balance or initial-draw requirements.
Direct access
Want to compare home-equity options first?
If you want to talk through the goal before using the automated HELOC application, send Billy a quick note here.
View Billy's official Lit Financial profileYour next move
Ready to check your home-equity options?
Use Billy's direct automated HELOC link to begin the eligibility and application process.