HELOC

Unlock the Equity in Your Property — Fast

Access your home’s equity without the bank delays. Our fully digital HELOC offers fast approvals, no hard inquiry to check options, and funding in as little as 5 days. Whether you’re consolidating debt, funding business operations, or deploying capital into investments, we make accessing your equity simple and efficient.

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949-738-9770

UP TO

RATES FROM*

6.325%

85%

LTV

5 days

DAY CLOSE

30yr Fixed

I/O OPTION

$50k up to $1M

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HELOC

Benefits

What Is a HELOC?

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949-738-9770

A Home Equity Line of Credit allows you to tap into the available equity in your property without refinancing your first mortgage. Unlike traditional bank HELOCs that require in-person appraisals, extensive paperwork, and long approval timelines, our Digital HELOC is streamlined for speed. We qualify based on property value and borrower strength — without requiring reserves, without liquidity thresholds, and without unnecessary friction. If you have equity, we can help you access it quickly.

Simple Qualifications for HELOC Lending

Are We a Good Fit?

Our HELOC program is built for homeowners who want fast access to capital without jumping through traditional banking hoops.

Experience

Digital HELOC Program

Credit Score

Minimum of 640.

Liquidity/Reserves

No Reserve Requirement

Property Type

1–4 Unit Properties

Additional Requirements

Owner Occupied or Non-Owner-Occupied

Get Started

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Begin your journey to homeownership today!

Apply Now!

949-738-9770

Key Loan Terms for Real Estate Investors

How It Compares

Transparent and Investor-Focused Loan Terms

Product Type

DSCR

Experience Required:

1+ Completed Properties

Minimum Credit Score:

620

Liquidity:

20% Down

Reserves:

1-3mo. Reserves

Prepayment Penalty:

Optional

Closing Timeline:

10 to 22 Days

Draw Schedule:

N/A

Rate:

6.325%

Loan-to-Value LTV:

80%

Loan-to-Cost (LTC):

N/A

Loan Term:

30, 40 Yr or Interest Only

Asset Types:

SFR, Condo, Townhome, 2–4 Units

Loan Amount Min:

$75k

Loan Amount Max:

$5M

Product Specifics:

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Number of Units:

1 to 4 Units

Apply Now!

949-738-9770

Expert Support for HELOC

Product Type

HELOC

Experience Required:

Digital HELOC

Minimum Credit Score:

640

Liquidity:

Reserves:

0 Reserves

Prepayment Penalty:

N/A

Closing Timeline:

5 Days

Draw Schedule:

N/A

Rate:

N/A

Loan-to-Value LTV:

0.85

Loan-to-Cost (LTC):

N/A

Loan Term:

30yr Fixed

Asset Types:

1-4 Unit

Loan Amount Min:

$50k

Loan Amount Max:

$1M

Product Specifics:

Owner Occupied or Non-Owner-Occupied, 3Mo Seasoning Requirement

Number of Units:

1-4 Unit

Apply Now!

949-738-9770

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

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949-738-9770

Meet The Leader

Fast. Flexible. Funded.

With direct access to a network of over 100 lenders, I deliver fast, flexible, and creative financing solutions tailored to meet complex real estate needs. As a mortgage broker specializing in Bridge Loans, DSCR (Debt Service Coverage Ratio) loans, and Hard Money financing, I work with investors, developers, and business owners to secure funding when timing and structure are critical.
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Whether you’re flipping a property, building a portfolio, or need short-term capital fast, I bring the market expertise, lender relationships, and deal-making agility to get it done — even when banks say no.

Fast closings. Minimal red tape. Maximum results.

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949-738-9770

Recently Funded deals

Deal Type	Address	Loan Amount
Hard Money	1425 S Beacon St, San Pedro Ca 90731	$433,000
Commercial	43-45 W. Main Street, Merced, Ca 95340	$200,000
DSCR	1570 S Irving St, Denver, Co 80219-4634	$200,000
DSCR	36 King St, Denver, Co 80219	$290,000
Hard Money	1378 Underwood Ave, San Francisco Ca 94124	$375,000
DSCR	4672 N 30th Drive, Phoenix, AZ 85017	$243,750
Profit and Loss Loan	188 Main St, Cedarville, NJ 08311	$175,000
DSCR	2255 N Springland Ave, Boise, ID 83709	$375,000
DSCR	919 Hepburn Ave, Lehigh Acres, FL 33974	$240,800
DSCR	9 N 16th St, Del Haven, NJ 08251	$266,250