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
* 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 #1416824
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender
(NMLS consumer access: https://www.nmlsconsumeraccess.org/_)