Unlock Your Home Equity
Fast & Flexible
Compare options without impacting your credit. Get pre-qualified in minutes, funded in days.
No credit impact
Application to Cash
In Under a Week
While traditional lenders take 45+ days, our streamlined process gets you funded in days.
Apply Online
Simple online form with no paperwork required. Just basic info about you and your home.
Get Pre-Qualified
Get a pre-qualification decision quickly. See your estimated rate and terms.
Access Funds
Money deposited directly to your account. Use it for anything you need.
Total time to funding
vs 45-60 days with traditional lenders
0x
Faster
Home Equity Line of Credit, Simplified
A HELOC lets you borrow against the equity in your home - the difference between your home's value and what you owe.
Your Home Value
$500,000
Mortgage Balance
$250,000
Available Equity
$200,000
Up to 80% LTV
HELOC Benefits
- Lower rates than credit cards or personal loans
- Only pay interest on what you borrow
- Flexible access to funds when you need them
- Potential tax deductions on interest (consult your tax advisor)
- 10-year draw period to access funds
Things to Consider
- !Your home is used as collateral
- !Variable rates may change over time
- !You need sufficient home equity to qualify
- !Monthly payments required during repayment period
- !Closing costs may apply (often waived with US HELOC)
What Can You Use a HELOC For?
Ready to Access Your Home Equity?
See your personalized rate in 30 seconds. No impact to credit score.
Why Choose Us
Why Choose US HELOC
Quick pre-qualification, easy process, and funding in days -- not weeks.
5-Minute Online Application
Our streamlined online process delivers fast pre-qualification decisions. Know your estimated rate in minutes, not days.
2min
Apply
5min
Pre-Qualified
5days
Funded
No obligation. No impact to credit.
Zero Hidden Fees
No origination or appraisal fees. Ever.
Bank-Level Security
256-bit encryption protects your data.
Competitive Rates
0.95%
APR as low as*Up to $750K
Access your home equity.
100% Online Process -- No Branch Visits
Apply, get pre-qualified, and access funds from your phone or computer.
Our Products
Choose Your Path to
Home Equity
Three powerful ways to unlock your equity with quick approvals and fast funding.
Real Stories
Trusted by Homeowners Nationwide
Quick approvals and fast funding -- hear it from real customers.
"Approved in literally 5 minutes! I couldn't believe how fast it was. Funded within a week."
Sarah M.
Austin, TX
$125,000
HELOC
"After being rejected by my bank, US HELOC approved me the same day. Incredibly simple process."
Michael R.
Phoenix, AZ
$200,000
HELOC
"Best rates I found anywhere. The 5-day funding wasn't a gimmick - it actually happened!"
Jennifer C.
Seattle, WA
$350,000
HELOC
"100% online from start to finish. Never had to visit a branch. This is how banking should work."
David T.
Denver, CO
$175,000
HELOC
Trusted & Verified
Common Questions
Everything you need to know about our home equity products. Can't find what you're looking for?
Contact supportRates as low as 7.95% APR*
See Your Rate in
30 Seconds
Join thousands of Americans who've accessed their home equity the quick and easy way.