Home Equity Tapped Fast
Get a fixed-rate HELOC within 5 days without the hassle. Borrow $25K–$400K without touching your first mortgage.
Funding in as few as 5 days.
Our incredible partners:
Benefits and uses
What can a HELOC do for you?
Reduce your debt
Roll high-interest credit cards into one low monthly payment. Save hundreds and get debt-free years sooner.
Home projects
Kitchen remodel, new roof, or an ADU - HELOCs can funds home improvements in stages, don't pay interest on money you haven't spent.
Build a real-estate empire
Use your equity as the down payment on a rental investment. Tap a HELOC in 5 days to move fast on a deal!
Emergency credit line
A HELOC is a low-cost backstop for a medical bill, a job gap, or a surprise expense. It's ready to help when you are.
HELOC vs. HELOAN & market
HELOC vs. Home Equity Loan vs. Cash-Out Refi
Altgage
HELOC
Loan type
Flexible line of credit
Best for
Ongoing/planned needs
Payment
Flexible / draw-based
Funding
~7 days
Appraisal
None (AVM)
1st mortgage
Untouched
Home Equity Loan
(2nd Mortgage)
Loan type
Fixed lump sum
Best for
One-time large expense
Payment
Fixed monthly
Funding
~15 days
Appraisal
Required
1st mortgage
Untouched
Cash-Out
Refinance
Loan type
Replaces 1st mortgage
Best for
Replacing high rates
Payment
Fixed monthly
Funding
~21 days
Appraisal
Required
1st mortgage
Replaced
Super easy
Steps to get a HELOC:
1
Determine your home equity
Use the calculator above to see what you can borrow — your home's value minus what you owe, up to 85% CLTV (80% in Texas).
2
Check your qualifications
Answer 9 quick questions. Soft credit pull, automated home valuation, automated income check — no documents to upload.
3
Compare lenders
As an independent broker, we match your file to the partner that fits — Figure, SpringEQ, or Rocket — so you get structure and rate that work for you.
4
Lock & get funded
Choose your term, lock your fixed rate, and get funded in as few as 5-10 business days.
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