myexpressheloc.com

MyExpressHELOC™ — Fast Digital HELOCs (Soft Pull) | TX • CA • FL • CO • GA • WA • IL • NC • VA • NV
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MyExpressHELOC™
Unlock equity in days.

Tap Into Your Home Equity — Fast

Keep your low mortgage rate. Borrow only what you need. All-digital process using Experian FICO 9.

  • No appraisal needed on loans ≤ $400,000 (loan amount)
  • Soft pull to check eligibility (Experian FICO 9)
  • Approval & funding in days — digital from start to finish
Apply Online — Soft Pull Only Request a Call
Loan amount eligibility varies by property and location. Available in all 50 states. Focused service & SEO for: TX, CA, FL, CO, GA, WA, IL, NC, VA & NV.
Matthew Brown
Matthew Brown
Loan Factory, Inc. — NMLS #1254250
Max Loan: up to $750,000
No appraisal ≤ $400k (loan amount)
Min FICO: 600 (680 for investment properties)
Properties: SFR, Townhome, PUD, most Condos
States: Available in all 50 states (primary focus for SEO: TX, CA, FL, CO, GA, WA, IL, NC, VA & NV)

Need to check your credit before applying? Use our Experian link above.

How It Works

  1. Check eligibility: Soft pull (Experian FICO 9) to see options without impacting your score.
  2. Approve quickly: Digital verifications streamline approval in days.
  3. Access funds: Borrow as needed — interest on what you draw.

Why a HELOC (Not a Refi)?

  • Protect your low mortgage rate.
  • Flexible draw period — interest only on what you use.
  • Use for home improvements, debt consolidation, emergencies & more.

Eligibility & Quick Facts

Minimum credit score: 600 (680 for investment properties)

Max loan amount: up to $750,000

Appraisals: Not required for loan amounts ≤ $400,000 (AVM/BPO may be used)

Property types: Single-family, townhomes, PUDs, most condos

Available: All 50 states (primary marketing focus: TX, CA, FL, CO, GA, WA, IL, NC, VA & NV)

Occupancy: Primary & secondary residences (no DSCR HELOC at this time)

FAQ

No. We use a soft pull (Experian FICO 9) for eligibility checks — this does not impact your credit score.
Not for loan amounts at or below $400,000. We use AVMs or BPOs to verify value; you can request a full appraisal if preferred.
Approvals often complete in days; funding timing depends on conditions but is typically fast once approved.
Home improvements, debt consolidation, repairs, tuition, and other personal uses. You pay interest only on what you draw.
No. A HELOC is a separate line of credit secured by your home equity — your first mortgage remains in place.
Single-family residences, townhomes, PUDs and most condos. Investment properties require a higher minimum score.

Request a Call

Prefer a quick conversation? Submit your info and we’ll reach out.

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Check your credit score before applying: Check Your Credit Score with Experian.

Your Loan Expert

Matthew Brown
Loan Factory, Inc.
NMLS #1254250

Phone: (512) 952-1125
Email: matthew.brown@loanfactory.com

Licensing & Coverage

We offer HELOCs in all 50 states. Our primary marketing focus is: TX, CA, FL, CO, GA, WA, IL, NC, VA & NV.

Program details subject to change. Terms, conditions and eligibility apply. Equal Housing Lender.

MyExpressHELOC™ — Unlock equity in days.
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