Tap into your home’s value with a HELOC loan

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What is a HELOC Loan?

A Home Equity Line of Credit (HELOC) allows you to borrow against the equity in your home, offering a revolving credit line that you can use whenever you need. Our No Tax Return HELOC provides this benefit without the hassle of providing tax returns, making the process faster and more accessible.

You can use the funds for anything from home renovations to debt consolidation, and you only pay interest on what you borrow. Our HELOC loans offer competitive rates, flexible terms, and the freedom to access your equity when you need it most.

Loan Benefits

No Tax Returns Required

Enjoy a simplified process that speeds up approval time and makes it easier to qualify for the loan.

Flexible Access to Funds

Borrow as much or as little as you need, whenever and for whatever you need it, up to your approved credit limit.

Interest-only Payments

Only pay interest on the amount you borrow, giving you better cash flow control and flexibility.

Eligibility Requirements

A minimum credit score of 660
Sufficient home equity (usually 20% or more)
Primary or secondary residences are eligible
Proof of consistent income
No recent bankruptcies
Minimum draw requirement of $10,000
Property must be owner-occupied

Start your Home Equity Line of Credit (HELOC) Application

Frequently asked questions

How much can I borrow with a HELOC?

You can typically borrow up to 80-90% of your home's appraised value, minus any existing mortgage balances. The exact amount depends on your home equity and credit profile.

How long does the HELOC process take?

The process generally takes 2-4 weeks from application to funding, though it can be quicker since tax returns aren't required.

Is a HELOC the same as a home equity loan?

No, a HELOC works like a credit card, giving you a revolving credit line, while a home equity loan provides a lump sum of money upfront.

What can I use the funds for?

You can use the funds for virtually anything, including home renovations, medical bills, debt consolidation, education expenses, or even a vacation.

What are the interest rates for a HELOC?

HELOC rates are variable and based on market rates and your credit profile. Contact us for the latest rates and personalized quotes.

See what our clients say about us

We are humbled by the kind words of our clients. And we are happy that we were the ones to help turn their mortgage goals into reality.

First-Time Homebuyers' Delight

Suzie and the Truss Financial Group exceeded our expectations in securing our mortgage as first-time homebuyers. Suzie's expertise and guidance made the potentially daunting process incredibly smooth and manageable.

Robert F.

San Tan Valley, AZ, Software Engineer

Great for Bank Statement Loans

I did a bank statement income loan and it chose to not include some deposits. This is just a heads up, not a complaint. Truss is definitely a good company, and I would ABSOLUTELY work with them again. Marcus was honest and helpful throughout the process.

Berj F.

Concord, CA, Business Owner

Personalized Service

"I am more than pleased to work with Delania Tak and would confidently recommend her to anyone seeking reliable assistance in securing a loan. Her commitment to excellence and personalized care make her an exceptional choice."

Howard L.

CA, Real Estate Investor

Cash-Out Refinance Made Easy

Thank you so much to Guillermo Correa and Truss Financial. They made doing my cash-out refinance a piece of cake! The interest rate was much lower than other lenders I checked with. The fees were reasonable, and the timeline was very smooth.

RealEstateLady 1.

Sandy, OR, Real Estate Broker

Exceptional for Self-Employed

After months of struggling with other lenders, Paul at Truss Financial made it easy to complete a cash-out refinance of a new primary residence. As a small business owner and real estate investor, my income situation is complicated but Paul was able to guide me through the process with relative ease.

Baird K.

New York, NY, Small Business Owner and Real Estate Investor

Innovative Solutions for Self-Employed

Garrett Jimenez was super creative and helpful every step of the way. Being self-employed makes getting a loan difficult. But he found ways to overcome each and every hurdle and really hit a home run for us.

Jason M.

Rancho Cucamonga, CA, Self-Employed Individual