HELOC Loan
A LoanMeet HELOC lets you tap into your home equity to fund your dreams, whether it’s renovating your kitchen or covering college costs. With flexible access to funds and competitive rates, financial freedom is at your fingertips.
Get a quoteLoan benefits
- Use what you need, when you need it, without reapplying for flexible access to funds.
- Manage your budget with low, interest-only payments during the draw period.
- Potentially deduct your HELOC interest on your taxes; consult your tax advisor.
- Access significant sums, often higher than what personal loans provide, with high credit limits.
- Enjoy typically lower rates than those offered by credit cards and personal loans.
- As you repay, your available credit replenishes, offering a revolving credit feature.
- Spend on anything from home improvements to debt consolidation with no use restrictions.
Eligibility requirements
- You must own a home and have at least 20% equity in it to qualify.
- A credit score of 620 or higher is typically required.
- Proof of a reliable, ongoing income to manage repayments is necessary.
- Your debt-to-income ratio must be under 50%.
- A solid history of on-time payments is crucial.
- The property must be your primary residence or second home.
- At least 12 months of on-time mortgage payments are required.
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