Get cash from your home's equity with a fixed-rate HELOC.com line of credit.
Check your rate without impacting your credit.2
A minimum score of 640 is required.
Most approved applicants have credit scores of 640 or higher.
You’ll typically need at least 15% equity in your home.
You’ll need steady income from a job, retirement, VA, or disability.
Single-family homes, townhouses, condos, and two-unit homes are eligible.
Single-family homes, townhouses, condos, and 2-unit homes are eligible.
Three ways to access cash—side by side. Three ways to access cash, side by side.
| Vs. Cash-Out Refinance | HELOC.com | Cash out |
|---|---|---|
| Keep current mortgage rate | Yes | No |
| Fixed rate on initial funds | Yes | Yes |
| Average speed to funding | 7–8 days9 | 1–2 mos. |
| Replaces your first mortgage | No | Yes |
By replacing multiple payments with one smarter, often lower-rate option.
Without turning to costly credit cards or personal loans.
That enhance daily living and long-term value.
Not at all. Your HELOC is separate—your rate stays put.
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.
You may receive funds in as few as five days.³
To qualify, you'll need to have sufficient equity in your home—meaning you owe less than what your property's worth.
Most lenders, including us, allow borrowing up to 85% of your home's value, minus your current mortgage balance.
We also look at key financial indicators, such as:
• Credit score and credit history
• Employment and income stability
• Existing debt and debt-to-income (DTI) ratio
Together, these factors help determine your approval, credit limit, and rate options. The process is similar to applying for a mortgage—but faster, simpler, and designed to give you clarity and control, from start to finish.
You can borrow $25,000 up to $400,000.
Explore tactics for getting ahead—not just getting by.
Compare options for homeowners to borrow
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A HELOC, or Home Equity Line of Credit, is a flexible way to borrow against the equity in your home.
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One of the best things about a HELOC is that you can use the money for almost anything you'd like.
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Keep Your Mortgage Rate. No Refinance Required.
