Not all HELOC products are available in all states. If you receive a notification that a HELOC you applied for is not available in your state please reach out to me directly as we may have other HELOC options for you!

TURN YOUR EQUITY TO CASH WITH

QUICK & EASY HELOC LENDING


With a Homebridge Home Equity Line of Credit or HELOC1 loan, you can fund your projects and goals with the equity from your home.

We offer approval in 5 minutes, funding in 5 days3 and rates starting at 4.24% APR.2

This makes our HELOC the simplest way to get the cash you want when you want it!

HOMEBRIDGE HELOC LOAN

GET APPROVED IN MINUTES


Get there faster with a Homebridge HELOC loan and apply today! Get funding in 5 days!

BENEFITS OF A HELOC

No Restrictions

No restrictions on how you can use your cash.

Funds as Needed

Use funds as needed rather than being required to take out a lump sum.

Maximum CLTV

Borrow up to $400,000 with a maximum CLTV of 90%.

APPLY TODAY TO FUND TOMORROW’S GOALS!

A HELOC is a revolving line of credit, similar to a credit card, that offers a way to borrow money using the equity in your home. It provides the flexibility of drawing money as needed instead of taking it all in one lump sum.

How it WorksHow it WorksTell Us About YourselfTell Us About YourselfTell us a little bit about yourself, your home, and
your employment history, so we can give you a
personalized recommendation.
Tell us a little bit about yourself, your home, and your
employment history, so we can give you a personalized
recommendation.
How it WorksCustomize Your OfferSee your offer and rate, without affecting your credit score.
We ensure you have the information you need to make a
decision that's right for your. (A hard credit pull comes later on in the process.)
How it WorksCustomize Your OfferSee your offer and rate, without affecting your
credit score. We ensure you have the information
you need to make a decision that's right for your.
(A hard credit pull comes later on in the process.)
How it WorksVerify Your Income & AssetsWe've automated the gathering and verification of
documents. Simply link your accounts and we'll do the rest.
All your data is secure with 256-bit encryption.
How it WorksVerify Your Income & AssetsWe've automated the gathering and verification
of documents. Simply link your accounts
and we'll do the rest. All your data is secure
with 256-bit encryption.
How it WorksSpeak with Digital NotaryWhere available, you can connect with one of our eNotaries
and get your documents signed from the comfort of your own
home. (eNotary is only available in some locations.)
How it WorksSpeak with Digital NotaryWhere available, you can connect with one of
our eNotaries and get your documents signed
from the comfort of your own home.
(eNotary is only available in some locations.)

Compare Your Options

HELOC vs a Cash-Out Refinance

The Homebridge HELOC is helping homeowners across America save thousands of dollars in interest payments compared to a cash-out refinance. Contact me today to see if a HELOC is right for you!

  Homebridge HELOC Cash-Out Refinance
Fixed Rate
Shorter Terms
No Closing Costs
No Out-of-Pocket Costs
Ability to Redraw
Online Application
Fast Access to Cash

Homebridge HELOC and HELOC Equity Mover are available in AK, AL, AR, AZ, CA, CO, CT, DC, FL ,GA, IA, ID, IL, IN, KS, LA, MA, ME, MI, MN, MO, MT, NC, ND, NJ, NM, NV, OH, OK, OR, PA, TN, VA, VT, WA, & WI with more states to come.

Homebridge HELOC and HELOC Equity Mover are open-end products where the following loan amounts will be drawn at the time of origination: for standalone HELOC, 100% will be drawn (minus the origination fee) and for HELOC Equity Mover, 80% will be drawn (minus the origination fee). The initial amount funded at origination will be based on a fixed rate; however, these products contain an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.

Borrowers will have the ability to join the Teachers Federal Credit Union (TFCU) at the time of closing and receive a .5% rate discount. There is a required $5 minimum balance required in the TFCU account.

1For our standalone HELOC product, our APRs start at 4.24% for the most qualified applicants (with combined discount of 0.75% for opting into a credit union membership and enrolling in autopay) and are higher for other applicants. For example, for a borrower with a CLTV of 40% and a credit score of 800 who is eligible for and chooses to pay a 4.99% origination fee in exchange for a reduced APR, a five-year Homebridge HELOC with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.74%. Your total loan amount would be $52,495. Alternatively, a borrower with the same credit profile who pays a 3.99% origination fee would have an APR of 4.74% and a total loan amount of $51,994. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. The advertised APR includes a combined discount of 0.75% for opting into a credit union membership (0.50%) and enrolling in autopay (0.25%). APRs start at 4.99% for customers that do not opt in to autopay or credit union membership.

2For our HELOC Equity Mover product, our APRs start at 4.74% for the most qualified applicants (with combined discount of 0.75% for opting into a credit union membership and enrolling in autopay) and are higher for other applicants. For example, for a borrower with a CLTV of 40% and a credit score of 800 who is eligible for and pays a 3.99% origination fee in exchange for a reduced APR, a five-year Homebridge HELOC Equity Mover with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 4.74%. Your total loan amount would be $51,994. The advertised rate is available only to borrowers using primary residences as collateral. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term and occupancy status. The advertised APR includes a combined discount of 0.75% for opting into a credit union membership (0.50%) and enrolling in autopay (0.25%). APRs start at 5.49% for customers that do not opt into autopay or credit union membership. Payment of origination fees in exchange for a reduced APR is not available in all states. APRs for home equity lines of credit do not include costs other than interest. Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone.

3Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may take longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria.

4For our standalone HELOC product, there is a one-time origination fee of up to 4.99% of your initial draw depending on the state in which your property is located. You may also be responsible for paying recording fees, which vary by county. The 1.5% origination fee option will only be offered for HELOC’s at or below 65% CLTV. HELOC’s with CLTV’s greater than 65% will have origination fee options for 3.99% and 4.99%

5For our HELOC Equity Mover product, there is a one-time origination fee of up to 3.99% of your initial draw. You may also be responsible for paying recording fees, which vary by county.

6To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

7Homebridge HELOC and HELOC Equity Mover are offered up to a loan amount of $400,000, but your maximum loan amount may be lower than $400,000. Your loan amount will ultimately depend on your home value and equity at the time of application. We determine home value and resulting equity through independent data sources and automated valuation models.

8By consolidating your credit card debt into your mortgage, your unsecured debt becomes secured debt. Please consult a professional credit / debt counselor for further information.

9You should consult a tax advisor for further information regarding the deductibility of interest.