MyExpressHELOC™ • Home Improvement Financing
A Home Equity Line of Credit may help you finance renovations, repairs, upgrades, and major home projects without refinancing your existing first mortgage.
Many homeowners have significant equity built up in their homes but do not want to refinance their current mortgage.
A HELOC can provide access to that equity while allowing you to keep your existing first mortgage in place.
Whether you're updating a kitchen, replacing a roof, installing a pool, or building an addition, a HELOC may provide flexible financing for your project.
Upgrade cabinets, countertops, appliances, flooring, lighting, and more.
Modernize bathrooms, add walk-in showers, upgrade fixtures, or create additional bathrooms.
Expand living space, build home offices, add bedrooms, or create guest suites.
Finance major roof repairs or complete roof replacement projects.
Build a pool, outdoor kitchen, patio, pergola, or backyard entertainment area.
Replace heating and cooling systems, electrical systems, plumbing, or other major components.
Maximum Loan Amount:
Up to $750,000
Credit Review:
Soft-pull Experian FICO 9
Minimum FICO:
600 for primary and second homes
Investment Property FICO:
680 minimum
MyExpressHELOC™ offers digital HELOC options nationwide.
Our primary marketing focus includes Texas, California, Florida, Colorado, Georgia, Washington, Illinois, North Carolina, Virginia, and Nevada.
See what HELOC options may be available with a soft-pull eligibility review.
Yes. Kitchen renovations are one of the most common uses for home equity financing.
Many homeowners use home equity to finance swimming pools and outdoor living projects.
Depending on local regulations and project scope, many homeowners use home equity to help finance ADU construction.
No. A HELOC is separate from your existing first mortgage.
MyExpressHELOC™ | Matthew Brown | Loan Factory, Inc. | NMLS #1254250 | Company NMLS #320841. Equal Housing Lender. Program details subject to change. Terms, conditions, and eligibility apply.