RENOVATE YOUR HOME
Kitchen remodels, pools, roofs, additions, and upgrades.
HOME EQUITY LINE OF CREDIT
KEEP YOUR FIRST MORTGAGE.ACCESS YOUR EQUITY.
Unlock the value you've built in your home without replacing your existing mortgage.
Whether you're renovating, consolidating debt, funding major expenses, building reserves, or creating financial flexibility, a Home Equity Line of Credit may help put your equity to work.
PROGRAM SNAPSHOT
Built for Real Equity Strategies
0%
MAX CLTV
Eligible programs available up to 90% combined loan-to-value.
$0K
MAX LOAN AMOUNT
Loan amounts available up to $750,000.
FAST DIGITAL PROCESS
Soft-pull eligibility options and automated valuation technology available on eligible properties.
0 YRS
TERM OPTIONS
Repayment structures available up to 30 years.
SOFT PULL
ELIGIBILITY OPTIONS
Explore available options without immediately impacting credit when eligible.
LLC
PROPERTY ELIGIBILITY
Certain LLC-held properties may qualify.
WHY MANY HOMEOWNERS CHOOSE A HELOC
KEEP YOUR MORTGAGE.
ACCESS YOUR EQUITY.
Why replace a great mortgage rate just to access equity?
CASH-OUT REFINANCE
- Replaces existing mortgage
- Higher closing costs
- Longer closing timeline
- Restarts mortgage term
KEEP YOUR RATE
ACCESS YOUR EQUITY
KEEP YOUR CURRENT RATE
HELOC
- Keep current first mortgage
- Lower closing costs and faster closing
- First or second lien options available
- Flexible access to your home's equity
Sitting on a 2%-5% Mortgage Rate?
You may not need to refinance to access your equity.
DEBT CONSOLIDATION ANALYZER
WHAT COULD YOUR EQUITY DO?
YOUR CURRENT DEBT
Credit Card #1
$
$
Credit Card #2
$
$
Credit Card #3
$
$
Personal Loan
$
$
Other Debt
$
$
ILLUSTRATIVE RESULTS
Current Total Debt
$0
Current Monthly Payments
$0
Est. HELOC Payoff Amount
$0
Est. HELOC Scenario / mo
$0
POTENTIAL MONTHLY CASH FLOW IMPROVEMENT
$0
Results are estimates only and do not constitute a loan approval, quote, guarantee, or commitment to lend. The HELOC scenario shown uses an illustrative assumption of 9.5% APR amortized over 30 years for comparison purposes only. Actual rates, terms, draw periods, and payment structures vary by lender, program, lien position, occupancy, credit profile, and market conditions.
HOW HOMEOWNERS USE THEIR EQUITY
TURN EQUITY INTO OPPORTUNITY
CONSOLIDATE DEBT
Potentially streamline higher-interest obligations.
BUILD FINANCIAL RESERVES
Create flexibility for future needs.
INVEST IN OPPORTUNITIES
Real estate, business, or future financial goals.
FUND MAJOR EXPENSES
Education, life events, or large purchases.
ACCESS EQUITY WITHOUT REFINANCING
Keep your current first mortgage in place.
MODERN HELOC FEATURES
FLEXIBLE OPTIONS FOR A VARIETY OF SCENARIOS
Up to 90% CLTV
Loan amounts up to $750,000
Minimum FICO starting at 600
Up to 30-year terms
Soft credit inquiry options available
Automated valuation options available on eligible properties
First lien options available
Second lien options available
LLC properties may be eligible
Investment properties may be eligible
Primary residences may be eligible
Second homes may be eligible
Program availability, lien position, property eligibility, LLC eligibility, valuation requirements, credit limits, rates, terms, occupancy, state availability, and approval requirements vary by lender, borrower profile, property type, title structure, available equity, and market conditions.
FAQ
COMMON HELOC QUESTIONS
YOUR EQUITY MAY BE WORKING HARDER FOR YOU.
Explore home equity solutions through Allegiant Lending Firm.