Home equity line of credit
Access your equity without touching your rate
Most California homeowners refinanced when rates were low — and now feel stuck. A HELOC unlocks that equity without touching the rate you locked.
Your first mortgage stays put
A HELOC is a second lien. Your existing rate, payment, and lender don't change at all.
Draw as you go
Borrow, repay, and draw again during your draw period. Interest applies only to what's outstanding.
Weeks, not months
Modern HELOCs move fast — many close in weeks. You'll get a real timeline on your first call, not a guess.
Beyond your primary home
The HELOC programs we work with cover primary residences, second homes, and investment properties — occupancy shapes which one fits.
How it works, plainly
If approved, the line sits behind your mortgage. Its size depends on your home's value, what you owe, and your credit — typically up to 85% combined loan-to-value.
You draw during the draw period. Transfer funds when you need them. Nothing drawn, nothing owed beyond any account costs.
Then it converts to repayment. The balance amortizes on a set schedule. We'll model it with your real numbers before you sign anything.
What you'll need to check
No documents, no obligation at this stage.
Common questions
Answers are general information, not loan terms.
Can I get a HELOC without refinancing my first mortgage?
Yes. A HELOC is a second lien, separate from your first mortgage — your first mortgage's rate and payment don't change; the HELOC is a separate line with its own payment. That's the whole point for most California homeowners we work with.
Will checking my equity affect my credit?
No. The estimate uses the numbers you enter — there's no credit pull at this stage. If you decide to move forward, the first step is a soft inquiry, and we tell you before anything happens.
How fast does a HELOC fund?
It depends on the property and program, but lines like these commonly fund in weeks, not months. You'll get a real timeline on your first call, not a guess.
See your number before anyone asks for yours
Find my loanTakes a few minutes. Checking won't affect your credit.