Fast Digital HELOC

Your Home Has Equity. Why Should Accessing It Take Weeks?

Check your options online in minutes with a soft credit pull that won't affect your score. Funding in as few as 5 business days* on lines up to $400,000.**

As Few As

5 Business Days*

Apply Online in Minutes • Soft Pull to Check Eligibility

Soft pull to check eligibility

Checking won't affect score

No appraisal fee

Keep your low 1st mortgage rate

100% online application

Apply online in minutes

Lines up to $400,000**

NMLS #1736690

HELOC Line Estimator

See how much you may be able to access — instantly.

Estimated Home Value$500,000

$50K$2M

Current 1st Mortgage Balance$250,000

$0$500,000

Available Equity

$250,000

50% of home value

Est. Max Line

$150,000

Up to 80% combined LTV

Combined LTV

80%

After max line draw

1st Mortgage

HELOC

Remaining

Estimate only. This interactive tool provides a general illustration based on an 80% combined loan-to-value ratio and a maximum line of $400,000. Actual eligibility, line amount, and terms depend on credit, income, property eligibility, and underwriting. This is not a commitment to lend or a Loan Estimate.

Digital HELOC Application

Check Your Options

Apply online in minutes. Soft pull to check eligibility — won't affect your credit score.

256-Bit SSL Encrypted

Direct Prequalification

1. Loan Information

Usage *

2. Your Information

Legal First Name *

Legal Last Name *

Social Security Number *

Date of Birth *

Phone Number *

Email Address *

Marital Status *

3. Address of Property

Street Address, City, State, Zip *

Apt / Unit #

What is your occupancy type? *

Primary ResidenceSecondary PropertyInvestment Property

We'll verify this address against your property records / ID upload.

4. Co-Applicant Information

Do you have a co-applicant? *

YesNo

5. Financial Information

Pre-Tax Household Annual Income *

Include all household income: spouse, investments, rental, Social Security, etc.

I acknowledge and consent to a soft credit pull to help determine if I prequalify for a Digital HELOC loan product. I understand that this soft credit pull will not affect my credit score.

*Alimony, child support, or separate maintenance income need not be revealed if you do not wish to have it considered.

Soft pull to check eligibility • No impact to your credit score.

*Funding in as few as 5 business days is not guaranteed and depends on verification, title, property eligibility, lien position, applicable rescission periods and final approval.

**Maximum line is not available to all applicants. Soft credit pull applies to initial eligibility; additional credit verification may be required. No appraisal fee does not mean no property valuation or other closing costs. Approval, APR, terms and line amount depend on eligibility and underwriting. Programs may change without notice. This is not a commitment to lend.

Angel Taipale, NMLS #1736690 | Bright Horizon Lending Inc., NMLS #2565670 | Equal Housing Opportunity.

Ready to compare your options?

Schedule a strategy call tailored to your goals, income, and timeline.

Schedule Your Mortgage Strategy Call Call Angel

This is not a commitment to lend. All loans are subject to credit approval, property approval, program guidelines, and applicable terms. Programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Equal Housing Opportunity.

Angel Taipale, NMLS #1736690 — Bright Horizon Lending Inc., NMLS #2565670. Verify on NMLS Consumer Access