Use your home equity.
Keep your low rate.
A HELOC sits behind your current mortgage, so your first mortgage stays exactly as it is.
What's this for?
How much would you like to access?
Where should we send your next step?
Nice. One more step.
"I kept seeing clients sit on equity they couldn't touch, or give up a great mortgage rate just to get cash out. A bank HELOC meant weeks of waiting. I broker Aven's HELOC so you can see your options online without touching your first mortgage."
What clients say about working with Caleb.
"Caleb is great and knows his stuff!! He was able to help my parents when they thought they were out of options."
"Caleb was fantastic! I was working with another lender and the deal he was getting me was not good, I felt uncomfortable with him but he told me it was the best deal I could get in my situation. Then I was introduced to Caleb who within a week was able to get me a much better deal, saving me thousands."
"Made everything happen fast. We closed in less than two weeks."
"Caleb and his entire team were great to work with! Quick and efficient! Caleb knew what our goals were long term in regards to our mortgage and kept us updated frequently about the market."
"Caleb doesn’t treat you like a transaction or a dollar sign like I’ve experienced in the past. He is responsive and thorough and he figures out how to make things work."
"He was great at explaining the process clearly to us. He was great to communicate with, fast responses and knowledgeable. Very friendly. Answered all of our questions."
"Caleb was very easy to work with. He gave us options and really seemed to look out for us."
Homeowners typically use it for paying off credit cards, kitchen and bath remodels, medical bills, a new roof, tuition, or general debt consolidation.
A traditional bank HELOC vs. this one.
Before you check your options.
Will checking hurt my credit score?
No. Seeing your offer uses a soft credit check. A hard inquiry only happens if you choose to accept an offer.
What kinds of homes qualify?
Single-family homes, townhomes, PUDs, most condos, and 2–4 unit properties, whether you live there or rent it out. Rentals need to have been owned at least 12 months. Manufactured homes, co-ops, high-rise condos, homes bought in the last 90 days, and homes titled to an LLC or business are not eligible.
Do I need great credit to qualify?
Credit scores start at 620, and line size depends on your score, equity, and income. Stronger credit and more equity generally mean a larger line. Your exact options show up in your offer.
Will this change my current mortgage?
No. In most cases the HELOC sits behind your existing mortgage, so your current rate and payment stay the same. You'll make a separate payment on the HELOC.
Are there fees or closing costs?
There is no cost to check your options. If you move forward, a fee may apply to your initial draw, and you'll see every fee, your rate, and your terms in your offer before you accept anything.
How fast can I get the money?
Many files close in days, not weeks. For a primary residence, federal law gives you a 3-business-day right to cancel after signing, so funds are released after that period. Timing depends on your file.
Is my home at risk?
Yes. Like any HELOC, this is secured by your home. Only borrow what you're confident you can repay.
Use your equity. Keep your rate. It costs nothing to check.
Soft credit check only. No impact to your score. No obligation to apply.