Access Your Properties Equity

Fixed Home Equity Loans | Fixed & Variable Rate Home Equity Lines of Credit

Below is our most popular fixed rate HELOC, but we have 5+ lenders that do fixed rate to variable rate HELOCs & HELOANs. Lenders that price better on full-doc income, and full appraisals vs convenience, alt-doc income, and AVMs. Rates vary based on FICO, DTI, LTV, Income Doc Type, Property Type, and Loan Terms.

Contact me to discuss your needs.

✅ Up to 85% LTV | Up to $750K Loan

(Primary, Second, Investment)

✅ Min Score 660 - 720

✅ Get Approved on a 12-24 Month P&L

(2 Year Min. Business History | CPA/EA Letter


✅ Full Income Documentation Allowed (Better Rates)

✅ 12-24 Month Bank Statements Allowed


✅ Max CLTV Exposure: Up to $4 Million


✅ Non- Warrantable Condos Allowed

✅ TX: Investment Properties Only

1 - 4 Residential Units & Condos

investor loans, DSCR, debt service coverage ratio, mathew yates

* Most Popular - Fixed Rate Home Equity Line of Credit

How it works: 100% online application, pre-qualified within 5 minutes, automated appraisal valuation, fund in as little as 5 days.

Standalone HELOC

for up to the 3rd lien position

Up to $400K

terms of 5, 10, 15, or 30 years

Soft credit inquiry

know what you prequalify for in seconds

Lower rates

compared to alternatives such as personal loans or credit cards

100% online application

no need to go to a bank, apply from the comfort of your home.

Promotional discounts

get a low fixed rate locked in for longer terms to meet your financial needs

Fast funding

apply in minutes with funding in as few as 5 days

Pay for other expenses

such as home renovations or debt consolidation

No out-of-pocket costs

pay nothing into funding with simply monthly payments

Approved In As Little As

15 Minutes

IT’S EASY WHEN YOU HAVE AN INITIAL APPROVAL

Want to feel good about making a strong offer on your dream home?

Get an initial approval for your loan almost instantly

when you work with independent mortgage professionals like us. Our cutting-edge process lets us do what big banks and retail lenders can’t and give you an initial loan approval in as little as 15 minutes — even on the weekends!

You’ll also enjoy greater transparency so you can gather any paperwork you need ahead of time and make sure your loan goes through as smoothly as possible.

Testimonials

NMLS ID #423065

Contact Me

20225 Water Tower Blvd. Suite 400, Brookfield, WI 53045

NMLS ID #1173903

Novus Home Mortgage, a division of Ixonia Bank is an Equal Housing Lender. We are headquartered at 20225 Water Tower Blvd. Suite 400, Brookfield, WI 53045. Toll free (844) 337-2548. NMLS No. 423065 (www.nmlsconsumeraccess.org). This is not an offer to enter into an agreement or a commitment to lend. All loans are subject to credit approval as well as program requirements and guidelines. Rates and requirements are subject to change without notice. Not all products are available in all states. Other restrictions or limitations may apply. Novus Home Mortgage, a division of Ixonia Bank is not affiliated with any government agency. © Novus Home Mortgage. All Rights Reserved | Program, Rate & APR Examples | Accessibility