Home Equity Solutions

Partner‑Only Access for Your Borrowers. Clean Execution for Your Pipeline.

Download the Flyer  about Home Equity Solutions

Our home equity line of credit (HELOC) and home equity loan options are built to help you deliver liquidity and flexibility to your clients—without disrupting your relationship or process.

Whether your borrower needs ongoing access to funds or a one‑time lump sum, we’ll help you match the right product to the right need and move the file efficiently.

When to Use a HELOC vs. a Home Equity Loan

HELOC (Line of Credit)

Best when the borrower wants flexibility to draw funds as needed for:

  • Home improvements completed in phases
  • Tuition, medical expenses, or life events
  • Debt consolidation with staged paydown
  • Emergency reserves / liquidity planning

Home Equity Loan (Fixed Loan)

Best when the borrower needs a defined amount for:

  • A single large expense (major remodel, payoff, purchase)
  • Debt consolidation with a fixed payment plan
  • Predictable budgeting and stable payments

 

Built for Broker Delivery

We designed our home equity workflow to support brokers who need fast answers, clean conditions, and consistent communication.

What you can expect:

  • Fast scenario feedback to confirm fit early
  • Streamlined documentation appropriate to the product type
  • Direct access to the team managing your file
  • Clear underwriting expectations and predictable milestones
  • No retail competition—your borrower relationship stays with you

Program Highlights

Home Equity Line of Credit (HELOC)

  • Revolving line structure (draw funds as needed)
  • Payment options based on product design (commonly interest-only during draw period)
  • Works well for ongoing or phased expenses
  • Borrower can pay down and re‑borrow within the available line (subject to terms)

10/10 Loan

  • First 10 years revolving line structure
  • Second 10 years, repayment period, borrower makes structured payments with interest

Home Equity Loan

  • One-time lump sum
  • Fixed installment structure for predictable payments
  • Strong fit for single-purpose funds needs
  • Simple for borrowers who prefer set terms and stability

Exact terms, eligibility, lien position, and underwriting requirements vary by program and borrower profile.

Good Fit Borrower Profiles

Home equity solutions can be effective for borrowers who:

  • Have meaningful equity and want to leverage it responsibly
  • Need liquidity without refinancing their first mortgage
  • Prefer a second-lien solution to preserve an existing rate
  • Want a structured plan for renovations or debt cleanup

How We Work With You

 

  • Submit a quick scenario (property, estimated value, current liens, borrower goal)
  • We confirm product fit (HELOC vs. HEL) and provide next-step guidance
  • You align expectations with your borrower
  • We move through underwriting with clear communication and consistent follow‑through

 

Ready to Review a Home Equity Scenario?
Submit a HELOC/HEIL scenario or connect with your lending contact to confirm structure, documentation, and expected timeline.
Talk to a Lender