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.

HELOC closed in under 15 days

Marshall was kind, patient, polite and professional with me. We got a HELOC loan and in less than 15 days they were able to do the closing! It was a great experience!

Marislea R.

Best loan officer in 37 years of real estate

Marshall was absolutely THE BEST mortgage loan officer I've ever dealt with and I have been a Real Estate Broker for 37 years! He is knowledgeable, professional, and prompt in communication.

Shelia S.

HELOC approved when others said no

All the other lenders turned me down but Caesar was able to get me the HELOC I needed and saved me. It was fast and is already finished.

Ronny T.

Informative HELOC process

I worked with Reza & Delania & they were very informative regarding my HELOC and the process was easy!

Daniel R.

Smooth HELOC and first rental purchase

Delania quickly got us done on our HELOC and has been instrumental in helping us purchase our first rental property. We will continue to work with her and the team at Truss.

Justin S.

Easy HELOC for self-employed

Chris was a great help and the whole experience was super easy. I needed this type of HELOC as I am self employed.

Scott D.

Solution when no one else would help

Marshall and Betty worked incredibly hard on our 2nd mortgage. NO OTHER company would help us the way they did. They found a solution that made sense and held our hand throughout the process.

Liz W.

So fast and efficient

So fast and efficient. I had. HELOC in place in less than a week.

Lisa Laskowitz

Delania Got Us Our Loan

Delania was able to provide the amount of money we required in a reasonable amount of time with reasonable broker fees and interest rate. Also, they were able to handle my lien and I obtained the funds with perfect timing for my purposes

Beverley H

Truss Financial cares about their customers

Truss Financial made the whole process very smooth and made me feel like a valued customer. I highly recommend them for a HELOC loan.

Carole Northrop

This process was made easy, thank you !

This process was made easy, with prompt answers to my questions and concerns. Your team exceeds expectations...I will make sure to use you for future mortgage or line of credit. What seemed impossible you made possible!

Luz S

Possibly the best mortgage related…

Possibly the best mortgage related experience in my life. Fast, courteous people to work with, thank you Ryan and the gang! I would highly recommend Truss to anyone looking to refinance, purchase or create a HELOC!

Keith Brooks

Wasn't thrilled with some of the items…

Wasn't thrilled with some of the items missed along the way (appraisal/addendums) by Champion, but from Truss perspective, everything was great. Cesar was great to work with and will be working with him and Truss in the future!

BC/LH

The persistence

The persistence, Betty and Jeff were very informative, this refinance was something new and also something I wasn't prepared to do. My bank called one day and said " you have a balloon payment due and we'll give you a 3 month extension. That's it. I'm appreciative of the time they took to guide me through the process.

Brandon Christopher