A ranch home among vineyard hills at golden hour in Southern California wine country

Home equity line of credit

Cash from your home in as fast as 5 days.

Pay off your credit cards and fix up your home. Up to $750,000. Keep your low mortgage rate. Credit from 640.

Question 1 of 9

What would you use the cash for?

Free. Won't affect your credit score. About 2 minutes.

  • Free to check
  • Won't affect your credit score
  • No Social Security number needed
  • About 2 minutes

The big numbers

  • Cash from your home$100K to $750K
  • Funded in as fast as5 days
  • Credit from640
  • Keep yourfirst mortgage
Bills and reading glasses on a kitchen table under a lamp at night An older couple worried over bills at the kitchen table at night An older couple relaxed and close at a sunny kitchen table

Pay off your credit cards

The bills keep coming.

The card balances keep growing.

One move can pay them off.

And keep your low mortgage rate.

Card cost calculator

What will your cards cost you?

See what your cards will cost if you keep paying them the way you do now.

Your card interest rate

What you pay each month

Time to pay off29 years 9 months
Interest you'd pay$44,340
Total you'd pay$69,340

Your home can do more than pay off cards.

Tap what you would use it for. Change any amount with the minus and plus buttons.

Pay off my cardsAlways first in your plan
$25,000Your card balance from above
$50,000
$15,000
$25,000
$25,000

Your cash plan:$100,000

$0Up to $750,000

Still room for $650,000 more

Lines start at $100,000. Pay off your cards and still have $75,000 left over.

Free. Won't affect your credit score. About 2 minutes.

Fix up your home

The roof can't wait.

Fix it now.

Love your home again.

An older couple looking up at their home
A living room with a ceiling leak stain and a pot on the floor catching water The same living room, fixed and dry

Drag to compare

From questions to cash in as fast as 5 days

Here is what the fastest week can look like.

Rows of grapevines on a hillside below a ranch home in the late afternoon sun

As fast as 5 daysCash in your account

  1. Monday

    Answer a few questions. See your estimate.

  2. Tuesday to Thursday

    A licensed loan officer helps with the paperwork.

  3. Friday

    Cash in your account, as fast as 5 days.

Start on Monday, and the cash can be in your account as soon as Friday.

An older couple sitting close together under the porch light of their home

Keep your first mortgage and its low rate

Your first mortgage does not change. Same loan, same rate, same payment. The home equity line is a separate account that sits beside it.

Your mortgage

Same loan, same rate

Home equity line

New and separate, ready when you need it

Use it like a faucet

Turn it on when you need cash. Pay it back, and the money is there to use again.

Still available$750,000

Used$0

Try it. Tap Use $100,000.

Your home has been working for you. Put it to work.

An older woman opens her front door to welcome family
Help family
An older woman smiling with a cup of coffee in her kitchen
Pay off cards
Grandparents with their grandkids on the porch of a new backyard casita
Build a casita
An older man smiling in his kitchen
Fix up
Grandparents watching their grandkids sleep in a blanket fort
Help family
An older couple looking at a tablet together
Pay off cards
An older couple on their porch at dusk
Fix up
An older man smiling with his morning coffee
Pay off cards

How it works

  1. An older couple answering questions on a tablet at their kitchen table

    Answer a few questions

    About 2 minutes. Free, and it won't affect your credit score.

  2. An older couple looking at a tablet together at a round table

    See your estimate

    See about how much cash your home may have for you.

  3. An older couple reading a paper together at the kitchen table

    A loan officer helps you finish

    A licensed loan officer helps with the paperwork. You decide.

Questions people ask

Will checking affect my credit score?

No. Checking is free and won't affect your credit score. No Social Security number needed.

How much can I ask for?

Lines go from $100,000 up to $750,000. The real amount depends on your home's value, what you still owe, your credit and your income.

Will my first mortgage or low rate change?

No. Your first mortgage stays the same, with the same rate and the same payment. The line of credit is a separate loan.

Can I get one if I'm retired?

Yes, many retired homeowners use a line of credit. Lenders look at income like Social Security, pensions and retirement accounts. A loan officer can tell you what counts.

Could I lose my house?

A line of credit uses your home as security, so you need to make the payments. If you can't pay, you could lose your home, just like with a mortgage. Only borrow what you know you can pay back.

How do you make money?

Checking your options is free for you. If you choose to take a loan, the licensed brokerage is paid for setting it up, and that is explained before you sign anything. You never pay us to see your options.

See your number. It takes about 2 minutes.

Free to check. Won't affect your credit score. No Social Security number needed.

An older couple resting close together under the lit arch of their home at dusk