• Minimum FICO of 620 for primary, 680 for Vacation/Second Home
• Full disbursement upfront so have access to funds quick
• One time origination fee (1.99-2.99%)
• No prepayment penalties
• No/Low closing costs (depends on which lender you qualify with)
• Fixed Rate/Interest Only Option
• No Appraisal
• 1st, 2nd, and 3rd lien positions allowed
• Loan amounts of $25k-$500k
• Very little paperwork required
• Fully automated income verification (w-2 employees)
• Eligible properties include Single Family, Townhome, Condos, PUD
• No condo questionnaire required

Benefits of a HELOC

• Fast access, get cash fast 3-5 days in some instances
• Lower rates compared to credit cards and personal loans
• 100% online, no need to go to the bank
• Pay for expenses such as home renovation, debt consolidation, medical expenses, education expenses, retirement caring for family, solar panels, ADU's, open a small business, travel, investment/vacation property, taxes, your dreams, etc.
• Great alternative to cash out refinance

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**Credit is not automatically pulled when application is completed. I always call/text before submitting credit.