Unlock Your Home's Potential with a HELOC

A flexible, fixed-rate line of credit you can draw from as needed.

Get Your Free HELOC Quote

Takes about a minute. No impact to your credit.

5

5-Day Fixed-Rate HELOC

Get pre-approved in minutes with a soft credit pull and minimal info. Typical funding in ~5 business days after verification.

  • No appraisal required
  • Income verified via your bank — no pay stubs
  • Soft-pull pre-approval with minimal information
  • Credit lines from $25,000 to $400,000
  • Fixed rate for predictable payments

Timing subject to eligibility, verification, and clear title. A hard inquiry may occur if you choose to proceed to closing.

How Our 5-Day Fixed-Rate HELOC Works

  1. 1

    2-Minute Pre-Approval (Soft Pull)

    Answer a few questions; we run a soft credit inquiry to provide a pre-approval range without impacting your score.

  2. 2

    Verify Income via Your Bank

    Securely connect your bank to confirm deposits — no pay stubs required.

  3. 3

    No Appraisal Needed

    We use automated valuation + title/identity checks so you can skip the appraisal visit.

  4. 4

    Sign & Fund (As Fast As 5 Business Days)

    Once verification and title clear, finalize your fixed-rate line and access funds quickly.

Key Benefits

No Appraisal

Save time and avoid scheduling hassles.

Soft-Pull Pre-Approval

Get your range without affecting your credit.

Bank-Verified Income

No pay stubs required — quick, secure verification.

$25k–$400k Lines

Fixed rate for predictable payments.

Estimate Your Credit Line

Quick estimate using 85% CLTV. This is not a commitment to lend.

Frequently Asked Questions

Will this affect my credit score?
Our pre-approval uses a soft credit pull and won’t impact your score. If you proceed to closing, a hard inquiry may be required.
Do you require an appraisal?
No. We use automated valuation along with title and identity checks, so there’s no in-person appraisal for this program.
How do you verify income?
Secure bank-verification of deposits — no pay stubs required.
How fast can I get the funds?
As fast as 5 business days after application date. Exact timing depends on your profile and property valuation.
What loan amounts are available?
Lines from $25,000 to $400,000, subject to eligibility and CLTV limits.