Your home's equity is sitting there. Put it to work.
A home equity line of credit up to 90% of your home's value — no appraisal, income verified from bank deposits instead of tax returns, fixed rate, and zero prepayment penalty. Most borrowers close in about 5 days.
Built for speed. Priced for sanity.
Up to 90% combined loan-to-value
Borrow against more of your equity than most banks allow — while keeping your first mortgage untouched.
No appraisal
An automated valuation replaces the appraiser visit — no fee, no scheduling, no waiting weeks for a report.
Bank-statement income
Income verified from your bank deposits — no tax returns, no W-2s. Real income counts, even when paperwork is messy.
Fixed rate
Not a variable rate that climbs on you. Know your rate on day one and keep it.
Zero prepayment penalty
Pay it down or pay it off whenever you want. No penalty, no gotchas, ever.
~5-day close, e-closing in most states
A fully automated process with an interest-only option — from request to funded in about five days.
What would you use it for?
Draw what you need, when you need it. Pay interest only on what you use.
Renovations
Fund the kitchen, the addition, or the ADU — and let the improved home value do the talking.
Debt consolidation
Roll high-interest balances into one fixed-rate line and stop feeding credit card interest.
Investment moves
Turn equity into a down payment on your next rental — your portfolio funds its own growth.
Emergency reserve
Set it up before you need it. A standby line costs nothing until you draw.
Four Steps. Access Equity in 5 Days.
2-minute request
Answer a few questions on the secure form — estimates are fine, Paulo confirms details with you.
Paulo reviews + invite
Paulo personally reviews your request and sends your official application invitation.
Verify in the portal
Complete disclosures and verifications securely online — e-closing available in most states.
Funded
Your line is live. Draw what you need, when you need it — and pay interest only on what you use.
HELOC FAQ
How much can I borrow?
Up to 90% of your home's combined loan-to-value, depending on your property value, existing mortgage balance, and credit profile. Paulo will show you your real number before you apply — no guessing.
Is there really no appraisal?
Correct — in most cases an automated valuation is used instead of a traditional appraisal. No appraiser visit, no appraisal fee, and no waiting weeks for a report. It's one of the reasons most borrowers close in about 5 days.
How is my income verified?
From your bank deposits — not tax returns, not W-2s. If your income is real but your paperwork is messy, this program was built for you.
What does it cost?
There's zero prepayment penalty — ever. The rate is fixed, so it won't climb on you like a variable-rate line. Paulo walks through the exact costs on your offer before you sign anything.
When do I pay it back?
You draw what you need, when you need it, during the draw period — and an interest-only option is available. After that, the line enters repayment. Paulo maps the timeline to your plans upfront.
Will this affect my first mortgage?
No. A HELOC sits in second position as a separate lien — your first mortgage, its rate, and its payment stay exactly as they are.
See what your equity can do.
Two minutes on the secure form. Paulo reviews every request personally and follows up himself.