LEVERAGING EQUITY

Home equity is often a homeowner’s largest financial asset and using it wisely can accelerate wealth building.

• ACCESS LOW-COST CAPITAL: Equity offers lower interest rates than most other forms of borrowing, making it an affordable way to fund goals.

• INCREASE PROPERTY VALUE: Use equity for renovations that boost your home’s worth and long-term appreciation.

• CONSOLIDATE DEBT: Combine high-interest debts into one lower-rate payment to improve cash flow.

• INVEST IN REAL ESTATE: Leverage equity to purchase investment properties and build additional income streams.

• MAINTAIN FINANCIAL FLEXIBILITY: A HELOC or cash-out refi provides accessible funds for opportunities or emergencies.

• PRESERVE SAVINGS: Tap equity instead of draining cash reserves or selling investments.

Easy Access to Equity

 

 

• Min FICO: 600 for Primary Residence / 640 for 2nd Home & Investment

• Max Loan Amount: $750,000

• Max CLTV: Up to 90% depending on FICO & property 

• Fast Closings: 0–6 Day Funding Available

• Typically no appraisal under $250k

• PLAID integration available for instant bank statement verification

• Interest Only: Adjustable for first 5 years, then fixed for remaining 25 years

• HELOC Draw Period: 5 Years

• Repayment Period up to 25 Years 

• HELOC Loan Amounts: $25,000–$750,000 

• Variable Rate Program tied to WSJ Prime Rate + fixed margin