Upfront funds from your home equity, without refinancing and without giving up your low mortgage rate. The 5 in HELOC 5 is the timeline: closed in as little as 5 days.
A faster, simpler path to your home equity, built around a 5-day closing timeline.
Application to funded in as little as 5 days. When timing matters, HELOC 5 moves with you.
Super streamlined income and asset verification. No appraisal and no income docs on qualifying files.
See where you stand in about 5 minutes with a soft credit pull that does not affect your score.
The HELOC 5 standalone home equity line, at a glance.
$25,000 to $750,000
10, 15, 20, or 30 years
Stays untouched, keep your low rate
No prepayment penalties
Closed in as little as 5 days
Primary, secondary, and investment
Full amount funded upfront, redraw as you repay
100% online, no in-person appraisal under $400K
Takes about a minute. A licensed loan originator follows up personally.
A licensed loan originator will reach out shortly about your HELOC 5 options.
Real timelines, real closings.
"I called on a Monday and the money was in my account six days later. My first mortgage and its rate never got touched."
"Rolled three high-interest cards into one fixed payment and cut my monthly outgo almost in half. Wish I had done it a year earlier."
"The soft pull pre-qualification took five minutes and my score never moved. Our contractor got paid on schedule for the whole kitchen job."
"Clear numbers up front, no surprises at closing. I knew exactly where I stood before I committed to anything."
No. Pre-qualification uses a soft credit pull, which does not affect your score. A hard pull only happens later if you decide to move forward with a full application.
No. HELOC 5 is a standalone second lien. Your first mortgage and its rate stay exactly as they are.
Most borrowers use the funds for home improvements, debt consolidation, or investment opportunities. There are no prepayment penalties if you pay it down early.
Yes. HELOC 5 is available for primary residences, secondary homes, and investment properties.
Files have closed in as little as 5 days. Timing depends on how quickly verification items come back, and streamlined files move fastest.
Reach out directly and a licensed loan originator will walk you through your options.