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.

Apply Now!

949-738-9770

UP TO

RATES FROM*

6.325%

85%

LTV

5 days

DAY CLOSE

30yr Fixed

I/O OPTION

$50k up to $1M

Apply Now!

Notice:By providing your name and contact information you are expressly consenting to receive communications from Cap Rate Funding, Cap Rate Funding agents, or affiliated partners which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages text message and/or emails for the purpose of marketing Mortgage products and services. By providing your information, you understand that your consent is not a condition of the purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at 949-738-9770 or by emailing us at chase@lowerrefinancerate.com to be placed on our do-not-call list.

By clicking Submit:I Consent to Receive SMS Notification, Alerts & Occasional Marketing Communication from Cap Rate Funding, Message frequency varies. Message & data rates may apply. Text HELP to 949-738-9770 for assistance. You can reply STOP to unsubscribe at any time.

HELOC

Benefits

What Is a HELOC?

Apply Now!

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.

HELOC Calculator

Estimate your maximum line amount, initial payment, and remaining available credit based on home value, mortgage balance, and LTV.

Home Value:

1st Mortgage Balance:

Max Combined LTV (CLTV %):

Requested Draw (optional):

Interest Rate (APR %):

Payment Type:

If Amortized: Term (years):

Minimum Payment % (Interest-Only):

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

Apply Now

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

HELOC

Experience Required:

Digital HELOC

Minimum Credit Score:

640

Closing Timeline:

5 Days

Loan-to-Value LTV:

0.85

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

Expert Support for HELOC

Effortless Process: Apply online in minutes. No appraisal required, no in-person appointments, and no waiting weeks for a decision. Pre-qualification does not require a hard credit pull to view your options.
Fast Funding: Approved in days, not weeks. Funding available in as little as 5 business days so you can move quickly when opportunity presents itself.
Flexible Capital: Use your HELOC for debt consolidation, business expansion, real estate investments, home improvements, cash flow management, or emergency liquidity. Your equity, your terms.
Stable Structure: Unlike variable bank HELOCs that fluctuate, this program offers a 30-year fixed structure for predictability and payment stability.

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.

Apply Now!

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.
‍
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.

Apply Now!

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