Home equity line of credit

Cash in with a HELOC

Tap into your home’s equity to fund major expenses, renovate your home, or consolidate high-interest debt - and apply without leaving your couch!

Checking your rate won't affect your credit score.¹

Rates start at 6.75% Variable APR^**

Borrow up to $500,000 using your home equity.^***

Apply in minutes with our 100% online application.

Check your HELOC rate

See how much you could save with Zarfi.

Variable

6.75-9.75% APR^**

IS A HELOC RIGHT FOR YOU?

Think of a HELOC similar to a credit card with your home as collateral. But instead of swiping for a latte, you're tapping into your home’s equity to fund major projects, consolidate debt, or pay for those “life just happens” moments. The best part? After the initial draw,^*$ you only borrow when you need it, and you can use it over and over again during the draw period.

Fast, simple process

100% online application. See your rate within minutes. And get cash in as little as 10 business days after approval.

Access up to 90% of your property's value

You could get up to a $500,000 line of credit while accessing up to 90% of your home equity^***. Draw from your HELOC whenever you need it during the draw period.

Get the funds you need now

Only pay interest only on what you borrow. With a HELOC, you’ll pay interest on the amount you withdraw, not the entire loan amount.^*$

What to Expect

Check your rate

Answer some questions to confirm your identity and home to see if you prequalify.

Apply online

See your offer, then apply. We’ll guide you every step of the way.

Flexible signing options

eSign or mobile notary services may be available.²

Get funded

If approved, you'll receive funding in as little as 10 business days.