Skip the bank runaround.

Access to 60+ wholesale banks and lenders means we find the Home Equity loan that fits your real situation.

Tap your situation below — takes about 30 seconds ↓

✅
Traditional Heloc
Qualify with W-2's, paystubs, and tax returns.
Traditional qualification
💼
Alternative Heloc for Self Employed
Qualify with bank statements, Profit and Loss, and 1099 statements.
No tax returns needed
Traditional qualification path
Good credit, W-2 or tax-return income
If you have solid credit and straightforward, documentable income, we shop your HELOC across our traditional wholesale lenders — including a digital option that can fund in as few as 5 days.
60+
Wholesale lenders
5 days
Fastest funding
600
Min FICO, fast-fund
0
Wholesale banks & lenders
0
Min FICO, fast-fund program
0
Max CLTV
0
Days to fund, fastest option
Why this works differently

Whatever your income looks like, there's a program for it

Most lenders only offer one or two ways to qualify. We run every major home equity program — so instead of getting turned away because you don't fit one lender's box, we simply use the program built for your situation.

  • Conventional HELOC — standard income documentation
  • Conventional HELOAN — fixed-rate lump sum equity loans
  • Bank Statement HELOC — qualify off deposits, not tax returns
  • P&L HELOC — qualify off a CPA-prepared profit & loss
✓
Conventional
HELOC
Standard documentation
✓
Conventional
HELOAN
Fixed-rate lump sum
✓
Bank Statement
HELOC
Self-employed friendly
✓
P&L
HELOC
CPA-prepared income
What borrowers say

Real people, real equity situations

★★★★★ 5.0 from 30 verified reviews
★★★★★

"My home had unusual circumstances that made approval tricky. I applied with several companies for a HELOC and refi, and no one came close to what Michael was able to get done."

— Pehuna, Salinas, CA
★★★★★

"I've had a number of mortgage loans and refinances over the years, and working with Michael was by far the easiest — responsive, knowledgeable, and saved me real money."

— Angela L.
★★★★★

"I had a unique refinancing situation. Michael delivered clear, quality guidance the whole way while keeping the process fast and secure."

— Larhoneb1, Panama City, FL
Reviews sourced from Zillow via Experience.com
What type of property do you have?
🏠
Single Family Residence
🏙️
Condo
🏘️
Townhouse
🏢
Multi Family
How do you use this property?
🏠
Primary Residence
🏖️
Second / Vacation Home
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Investment Property
🏬
Commercial
What's your credit score range?
(an estimate is fine)
Excellent (720+)
Good (680-719)
Fair (660-679)
Below Average (620-659)
Needs Work (580-619)
Challenged (below 580)
What's the value of your home?
(an estimate is fine)
$1,000,000
$0$2,000,000+
What's the remaining balance of your current loan?
(an estimate is fine)
$1,000,000
$0$2,000,000+
How much would you like to borrow?
(an estimate is fine)
$1,000,000
$0$2,000,000+
What's your current street address?
Our secure platform ensures your information is kept confidential.
✓
What's the zip code of the property?
✓
Where should we send your quote?
✓
✓
✓
✓
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You're all set!
0Eligibility
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