Tap into your home's value without touching your low first-mortgage rate. A fully digital home equity line of credit — apply in minutes, close in as little as 5 days, with zero out-of-pocket cost.
Estimate only — final line depends on credit, income, and a full review. Capped at $750K.
See My Real Offer →No branch visits, no stacks of paperwork, no in-person appraisal on most loans. Here's the whole process.
Answer a few quick questions. No SSN and no hard credit check to see your initial offers — so it won't affect your score.
Securely connect your bank through Plaid to verify income in seconds. Pick the line amount and terms that fit your goals.
Snap a photo of your ID from your phone. That's it — no notary appointment, no printing, no scanning.
Review and e-sign your documents digitally. Funds are disbursed in as little as 5 business days.
A cash-out refinance resets your whole mortgage at today's rates. A HELOC sits on top — so your low first mortgage stays exactly where it is.
Borrow against your equity without refinancing or giving up the low rate you locked in years ago.
No application fees and closing costs financed into the loan. No prepayment penalties if you pay it off early.
Draw what you need, pay it back, draw again. You only pay interest on what you actually use.
Primary residences, second homes, and investment properties are all eligible where we're licensed.
Choose a predictable fixed rate or a flexible variable line — whichever fits your plan.
This is fully digital, but you're never alone. Korbin walks you through every option and answers in minutes.
No appraisal appointment on most lines up to $400,000. How the automated valuation works — and when you still need an appraiser →
Once a property hits the MLS, nearly every bank and credit union declines a home equity line — not for credit or income, but for the listing itself. There is a program that funds those files, and I do them regularly.
I built a separate site just for that situation: how the decline works, which programs still fund a listed home, and how sellers use their equity to write a non-contingent offer on the next house before this one closes.
Straight to the guides: Can you get a HELOC while your home is listed for sale? · My bank declined me because my house is listed · HELOC calculator
Send your estimates to Korbin and get personalized, no-obligation numbers based on your actual situation — usually back to you the same day.
Checking your offers is fast, free, and won't affect your credit score.