Fund My HELOC
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Outsmart Debt with Your Home
Equity—Fast

Smart homeowners don't wait for debt to shrink. They outmaneuver it. You'll get approval in as few as five minutes3 to start consolidating those high-interest balances without digging for paperwork or long waiting times.

Jumpstart My Equity
white checkmark on blue circle background. Approval in as little as 5 minutes3
dollar sign on blue circle background. Get cash in as few as 5 days—not months3
White X over blue circle background. Apply online without the need to speak with a loan advisor
Woman reading book while petting her dog.
white checkmark on blue circle background. Approval in as little as 5 minutes3
dollar sign on blue circle background. Get cash in as few as 5 days—not months3
White X over blue circle background. Apply online without the need to speak with a loan advisor

A smarter way to manage
high-interest debt

You've already built financial strength. A HELOC lets you use it—without touching your first mortgage.

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Keep your current 
mortgage rate

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No need to refinance—use the equity in your home.

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Lower rates = 
higher control

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Outsmart high credit card interest with your equity.

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Take the cash, 
pay back later

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Get the full amount now, then repay it in affordable increments.

Activate My Equity

Three savvy strategies. One powerful tool.

Streamline debt. Upgrade your space. Fund your next financially savvy move.

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Consolidate & 
Simplify

Trade multiple, high-interest payments for a nimble move for your money.

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Stop juggling bills and start breathing again.

Lower your monthly strain Pay less interest overall Clean up your balance sheet Pay down early without penalties
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Plan & 
Prosper

Use your equity to strategically strengthen your finances—prepping for what's next.

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Turn your home's value into lasting financial control.

Lock in stability with a fixed rate Cover sudden expenses with confidence Access funds in one clean draw Consolidate high-interest obligations
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Renovate & 
Return

Upgrade wisely. Use equity to improve everyday living and your home's value.

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Make every dollar do double duty: comfort now, profit later.

Boost resale potential Modernize key rooms Avoid potentially high-interest, personal loans Build long-term equity, not quick debt

Debt doesn't dictate your future—strategy does

Start My Countdown to Cash

One line. Endless options.

This equity adapts to your plan…from financial cleanup to investment acceleration.

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Debt
Consolidation

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Emergency
Expenses

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Home
Improvement

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Education
Costs

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Investment
Opportunities

Tap into My Equity

Fast approval. Clear terms. Cash in days.3.

No hoops to jump through. No holds on equity that's already yours.

01

Check your rate in minutes

With no impact to your credit.2

02

Lock in your $ digitally

No scanning loads of docs or scheduling calls.

03

Secure signing

100% online application. No need to go digging for paperwork. Just link your accounts and we'll take care of the rest.

04

Get funded fast

Ready when you are…in as little as 5 days.3

Kick off My Cash Flow Upgrade
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Great questions.
Straight answers.

Because fine print shouldn't feel like a trap.

Can I check my HELOC rate without affecting my credit?

Yes—checking your personalized HELOC rate with us uses a soft credit pull, which means no impact on your score and no obligation to move forward. If you decide to continue and submit a full application, we'll request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. It's a simple, risk-free way to explore your options and see what rate you may qualify for before taking the next step.

How fast can I really get the money?

You may receive funds in as few as five days.3

What's the difference between a HELOC and a personal loan?

A HELOC is a line of credit that uses your house as collateral. That's why interest rates are typically higher for personal loans than a HELOC. With a HELOC, you'd be approved for an amount that's based on your financial qualifications and home's value. Personal loans aren't secured by your home, so approval is based on your credit alone.

Will this affect my current mortgage rate?

Not at all. Your HELOC is separate—your rate stays put.

Do I need an in-person meeting?

In most cases, the process is fully digital. However, a few counties in some states require in-person closings.

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Your equity is about to work harder than your debt.

Let's flip the script. You've built it. Now, leverage it.

Start My Smart Money Move
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