5 DAY HELOC
Close FAST.
Access Your Equity.
Keep Your Current Mortgage.
Why spend weeks going through a traditional bank or credit union HELOC process when accessing your home equity can be faster and easier?
Get access to $25,000 to $750,000 with a streamlined, digital HELOC built for homeowners who want speed, convenience and flexibility.
Check My HELOC Options →
As Few As 5
Business Days*
FAST, FLEXIBLE ACCESS TO YOUR HOME EQUITY
Fast Access
Get funds in as few as 5 business days.*
*Eligible transactions.Texas follows a separate timeline.
Initial Soft
Credit Inquiry
Check your initial options without affecting your credit score.
Keep Your
Current Mortgage
No need to refinance. Keep your existing first mortgage and rate.
100% Online
Application
Apply securely online, in minutes, anytime, anywhere.
CHECK YOUR HELOC OPTIONS
Fill out the short form and we’ll send you directly to your personalized HELOC options.
Your information is submitted securely.
Work With Greg West Jr.
Mortgage Advisor & Founder
I created the 5 Day HELOC process to give homeowners a faster, smarter way to access equity without refinancing or replacing their existing first mortgage.
500+ Happy Clients
HELOC VS. CASH-OUT REFINANCE
Keep Existing First Mortgage
✓ Yes
Keep Your Current Rate
✓ Yes
Access Equity Separately
✓ Yes, use what you need
Credit Impact
✓ Initial soft inquiry
Application Process
✓ 100% Online & Streamlined
Time to Fund
✓ As fast as 5 business days*
Keep Existing First Mortgage
No, replaces your mortgage
Keep Your Current Rate
No, new rate & terms
Access Equity Separately
No, lump sum only
Credit Impact
Hard inquiry
Application Process
Longer & more documentation
Time to Fund
Typically 30+ days
YOUR HOME EQUITY
CAN DO MORE
Use your HELOC for:
Home Renovations
Education Expenses
Debt Consolidation
Real Estate Opportunities
Major Purchases
Investment Opportunities
Emergency Expenses
Business or Other Major Financial Needs
HELOC REQUIREMENTS AT A GLANCE
| Loan Amount: | $25,000 to $750,000 |
| Minimum FICO: | Starting at 600 for certain eligible primary residence scenarios |
| DTI: | Up to 50% on eligible scenarios |
| CLTV: | Up to 85% on many primary residence scenarios with select eligible scenarios offering higher leverage |
| Terms: | 10, 15, 20 or 30 years |
| Initial Credit Check: | Soft inquiry |
| Application: | 100% online |
| Funding: |
Initiated in as few as 5 business days for eligible transactions
Texas approximately 12 days |
| Full Appraisal: | Required for HELOCs above $400,000 |
ELIGIBLE PROPERTY TYPES
Single Family
Homes
Townhomes
Condominiums
Planned Unit
Developments
Duplexes
3 & 4 Unit
Properties
Primary
Residences
Second Homes in
Eligible States
Investment Properties in
Eligible States
Property eligibility and program availability vary by state.
CHECK MY HELOC OPTIONS →FREQUENTLY ASKED QUESTIONS
How fast can I get my HELOC?
Eligible transactions can have funding initiated in as few as 5 business days.
Primary residence transactions include the required 3 business day rescission period. ACH processing time after disbursement depends on your financial institution.
Do I need an appraisal?
A traditional full appraisal is not required on many HELOCs under $400,000 because an automated valuation may be used.
If an automated valuation is unavailable, an additional property valuation may be required.
HELOCs above $400,000 require a full appraisal.
Will checking my options affect my credit?
Your initial prequalification uses a soft credit inquiry.
A hard credit inquiry is required only if you choose to continue with the full application.
What is the minimum credit score?
Certain eligible primary residence scenarios start at a 600 Experian FICO 9.
Higher credit requirements apply to certain loan amounts, occupancies and structures.
How much can I access?
HELOC amounts range from $25,000 to $750,000, subject to qualification.
Can I use a second home or investment property?
Yes, in eligible states.
Second homes and investment properties are available subject to their specific credit, equity and lien requirements.
Can I access the HELOC again after I pay it down?
Yes. During your eligible draw period, paying down your balance can restore available credit up to your original credit limit.
Additional draws start at $500, and there is no new hard credit inquiry for an additional draw.
Can I pay the HELOC off early?
Yes. There is no traditional prepayment penalty.
Can I complete the process online?
Yes. The application and verification process is designed to be completed digitally, and eligible borrowers can complete the notary through an online video session.
Do I have to refinance my current mortgage?
No. That’s one of the biggest advantages.
Your HELOC can sit separately from your existing first mortgage, allowing you to access your equity without replacing the mortgage rate you already have.
STOP WAITING WEEKS TO
ACCESS YOUR OWN EQUITY.
Get Your 5 Day HELOC Started Today.
Close FAST.
Keep Your Current Mortgage.
Access Up to $750,000.
Start With a Soft Credit Inquiry.
Complete Your Application Online.
This is not a commitment to lend. All loans are subject to credit approval, income verification, property eligibility, valuation, state requirements and final underwriting approval. Rates, fees, loan amounts, CLTV limits and program availability are subject to change. Funding timelines are estimates and are not guaranteed.
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Helping Veterans and buyers use their mortgage benefits the right way through education, strategy, and personalized guidance.
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