Will applying hurt my credit score?

No. The initial application uses a soft credit pull, which has zero impact on your credit score. You'll see real loan amounts, rates, and payments before committing to anything.

How fast can I get the money?

Funding can happen in as little as 5 days for primary residences and as fast as 1 day for second homes or investment properties. The 100% online process eliminates most of the delay you'd see with a traditional HELOC.

Do I need an in-person appraisal?

No. The lenders we work with use an Automated Valuation Model (AVM) — an instant, data-driven valuation. No appraiser visits the property.

Can I keep my current low-rate first mortgage?

Yes. The HELOC can be placed in 1st, 2nd, or 3rd lien position. If you locked in a low rate years ago, you don't have to give that up to access your equity.

What's the minimum credit score?

600 FICO is the floor. Stronger credit profiles unlock better rates and higher CLTV.

How much can I borrow?

Loan amounts range from $25,000 to $750,000, up to 85% combined loan-to-value of your home.

Is there a prepayment penalty?

No. You can pay off the HELOC at any time without penalty.

Can I close from home?

Yes — eNotary closings happen over Zoom, where the county allows it. You don't have to take a day off to sit in a title office.

Home Equity Line of Credit · North Carolina

A HELOC for North Carolina homeowners — 5-min approval, 5-day funding.

Tap your home's equity in days — not months. 100% online, AI-powered underwriting, no in-person appraisal.

See my offers (soft pull)Read the FAQ

Soft credit pull · zero score impact
AVM only · no appraiser visit
Up to 85% CLTV · $25k–$750k
1st, 2nd, or 3rd lien position

Soft credit pull

5-min approval

No impact to your score

A HELOC lets you borrow against the equity you've already built in your home. Use the funds for renovations, debt consolidation, education, or any major expense — and only pay interest on what you draw. We work with lenders who deliver a fully digital experience: soft credit pull to start, automated valuation, and funding in as little as 5 days.

Why this HELOC is different

A traditional HELOC takes 4–6 weeks, requires an in-person appraisal, and pulls hard credit just to get started. Ours doesn't.

Soft credit pull to see offers

Check your loan amount, rate, and payment with no impact to your credit score.

5-minute approval

Receive funds in as little as 5 days — or as fast as 1 day for a 2nd home or investment property.

100% automated, no in-person appraisal

Our partners use Automated Valuation Models (AVM) — no appraiser visit required.

Up to 85% CLTV

Borrow against up to 85% of your home's combined loan-to-value. Minimum FICO score of 600.

Loan amounts $25,000 – $750,000

Whether you're consolidating $30k of credit card debt or financing a major remodel, we have you covered.

Flexible terms: 10, 15, or 30 years

Choose a fixed or variable rate. No prepayment penalties. 100% draw at closing wired to your bank.

Keep your low first mortgage

We can place the HELOC in 1st, 2nd, or 3rd lien position so you don't have to refinance a great rate.

Title in personal name, Trust, or LLC

Properties held in a Trust or LLC are eligible.

The HELOC process, start to finish

Six steps, mostly automated, fully online.

1
Soft credit pull
Tom runs a soft credit check — no impact to your score — and presents real offers within minutes.
2
Choose your offer
Select the loan amount, term (10/15/30 yr), and rate type (fixed or variable) that fits your goals.
3
Electronic income verification
Connect bank statements, the IRS, or upload paystubs. No paper, no faxing.
4
AVM valuation
An automated valuation model determines your home's value — no appraiser visit needed.
5
Approval in 5 minutes
Receive a final approval after underwriting completes — typically within minutes.
6
eNotary closing & funding
Sign via Zoom (where permitted). Funds are wired directly to your bank — as fast as 1–5 days.

What HELOCs are most often used for

The two biggest use cases — by far — are home renovation and consolidating high-interest debt. Both are about putting your home's equity to work without giving up your low first-mortgage rate.

Kitchen, bathroom, and whole-home renovations
Roof, siding, HVAC, solar, and resilience upgrades
Debt consolidation (credit cards, personal loans, medical bills)
Investment property down payments
Education, weddings, major life events
Small business funding without commercial loan friction
Bridge financing while waiting on another property to sell
Storm prep, hurricane resilience, and post-storm repair

Two HELOC playbooks Tom runs every week

Use case

HELOC for Home Renovation

Kitchens, baths, additions, pools — keep your low first-mortgage rate and only pay interest on what you draw.

Renovation playbook →

Use case

HELOC for Debt Consolidation

Replace 22%+ credit card APRs with a single, lower-rate HELOC payment. Funded to your bank in days.

Consolidation playbook →

Qualifications & program details

Minimum FICO score: 600
Maximum combined loan-to-value (CLTV): 85%
Loan amount: $25,000 – $750,000
Only 1 borrower allowed (spouse's income may be added)
Income verified electronically via bank statements, IRS tax filings, or paystubs
Owner-occupied, second homes, and investment properties eligible
eNotary closing via Zoom where county-permitted

HELOC FAQ

The questions Tom hears every week from NC homeowners.

: No. The initial application uses a soft credit pull, which has zero impact on your credit score. You'll see real loan amounts, rates, and payments before committing to anything.

See your real HELOC offers in 5 minutes

Soft credit pull only — there's no impact to your score and no obligation to move forward.

Start my HELOC

Or email Tom directly at thomas28403@gmail.com