Fast · Digital · Soft pull

Tap your home equity without refinancing your first mortgage.

MyExpressHELOC™ is a digital home equity line of credit with a soft-pull eligibility check. Keep your current mortgage rate, see whether you may qualify with a quick online check, and draw funds as you need them.

Check eligibility — soft pull Estimate my line

No impact to check eligibilityLines up to $750,000No full appraisal up to $400,000

Program highlights

Credit check to startSoft pull · Experian FICO 9
Maximum lineUp to $750,000
Minimum FICO (primary & second home)600
Minimum FICO (investment property)680
Valuation on lines ≤ $400,000No full appraisal
Availability48 states (not NY or CT)

Program details are subject to change and eligibility requirements apply.

Why homeowners choose a HELOC right now

Millions of homeowners locked in low first-mortgage rates in past years and have built substantial equity since. A cash-out refinance would replace that low rate on your entire balance. A HELOC leaves your first mortgage alone and adds a separate line of credit you can draw from only when you need it — so you pay interest only on what you actually use.

Keep your first mortgage

Your existing rate and payment stay the same. The HELOC is a separate second lien.

Borrow as you go

Draw what you need, when you need it, during the draw period. Interest is charged on the balance you use, not the full line.

Start with a soft pull

The initial eligibility review uses a soft Experian FICO 9 inquiry that doesn't affect your credit score.

How MyExpressHELOC™ works

Check eligibility onlineAnswer a few questions about you and your home. A soft credit pull shows whether you're likely to qualify — with no impact to your score.
Review your optionsSee your estimated line amount based on your home's value, your current mortgage balance, and your credit. Call Matthew if you want help comparing options.
Verify and closeComplete your application digitally. Lines of $400,000 or less generally use an automated valuation or broker price opinion instead of a full appraisal, which can shorten the timeline.
Draw funds when you need themOnce your line is open, access funds during the draw period for renovations, debt payoff, reserves, or other goals.

Check eligibility — soft pull Learn how HELOCs work

What homeowners use a HELOC for

A HELOC is flexible money secured by your home. The best uses usually add value or lower your overall cost of borrowing.

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Home improvements

Kitchens, baths, roofs, additions, and repairs — draw as your contractor bills.

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Debt consolidation

Replace high-rate credit card and personal loan balances with one lower-rate line.

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Emergency reserves

Open a line now and keep it available for the unexpected — no interest on what you don't use.

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Investment property

Use rental property equity for repairs, down payments, or your next acquisition.

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Second home

Tap equity in a vacation home or second residence.

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HELOC or cash-out refi?

See which option costs less for your situation.

How much could you borrow?

Most HELOC programs limit your combined loan-to-value (CLTV) — your current mortgage plus the new line — to a percentage of your home's value. Use the calculator to estimate your line, then check your actual eligibility with a soft pull.

Open the HELOC calculator Estimate payments

Quick example

Estimated line	$150,000
Home value	$500,000
80% CLTV limit	$400,000
Current mortgage	− $250,000

Example only. Maximum CLTV varies by program, property type, credit, and state. Texas homestead loans are limited to 80% CLTV.

Available in 48 states

HELOCs through this program are available in 48 states. They are not available in New York or Connecticut.