Minutes to Approval Days to Funding

Apply for a Heloc Here

A HELOC can be used for many different purposes. Here are some things you can use a home equity line of credit for.

Properties that are eligible for a HELOC:

✔ Single family residences

✔ Condos

✔ Townhouses

✔ The property may be the applicant’s primary residence, secondary residence, or investment property

*Certain types of properties may not be eligible

For licensing information, please go to www.nmlsconsumeraccess.org 

For customer service or complaints, email us at digital@accesshl.com or call [ ] between Monday-Friday 7:30AM-5PM | Saturday: 8:30AM-5PM | Sunday: 10AM-2PM

EQUAL HOUSING LENDER LOGO HERE

  1. The HELOC is secured with your home as collateral, whereas personal loans and credit cards not.

  2. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. 

  3. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing.

  4. The equity line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.