Flexible credit line
HELOC
A revolving line secured by your home while your current first mortgage remains in place.
- Draw funds as needed
- Interest generally applies to the amount used
- Useful for ongoing expenses or projects
How it works
A simple first step before any full loan application.
Answer a few basic questions about your property, estimated equity and the amount you'd like to access.
A licensed loan officer reviews whether a HELOC, home equity loan, cash-out refinance or another option may fit.
If you decide to move forward, you'll apply through a secure application. If not, there's no obligation.
Compare
All three use your home's equity, but they work differently.
Flexible credit line
A revolving line secured by your home while your current first mortgage remains in place.
One-time lump sum
A one-time loan secured by your home while your current first mortgage remains in place.
New primary mortgage
A new, larger mortgage replaces the current mortgage and provides cash at closing.
Each option has its own costs, terms and qualification requirements, and availability depends on your property, your state and approved loan programs.
This first request does not require your Social Security number and does not authorize a credit check. We do not sell your personal information. Read our Privacy Policy.
FAQ
No. This request does not run your credit. If you later decide to apply, your loan officer will explain and ask your permission before any credit check.
No. It's a request to discuss possible home equity options. It is not an application, approval or commitment to lend.
No. A reasonable estimate is enough for this first step. Property value is verified later, which may include an appraisal, if you choose to apply.
It depends on your current mortgage, how much you need, how you plan to use the funds, your property, your credit profile and available loan programs. That's what the conversation with your loan officer is for.
Your loan officer follows up to review your goals and discuss possible next steps. You're not obligated to proceed.
Submitting this request is not an application, approval or commitment to lend.