Get cash fast with a Home Equity Line of Credit (HELOC)

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

No appraisal needed
No tax returns needed
Loan amounts $50K - $500K
Primary residence, 2nd home, Investment property
As much as 85% loan to value
Credit score as low as 660

Trusted by 1,460 people

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What is HELOC?

A HELOC, or Home Equity Line of Credit, is like a credit card, but uses the value of your house as the credit limit. With a HELOC, you can borrow money up to a certain limit and only pay interest on what you actually use. It’s based on the equity in your home, which is the difference between what your house is worth and how much you still owe on your mortgage.

Easy to qualify
Use it for whatever you need it
Consolidate debt
Only pay interest on what you borrow
Fast approval with 81% chance
No tax returns
Handle unexpected expenses

Discover how much you qualify for

4.6/5 from 130+ reviews

4.9/5 from 30+ reviews

4.4/5 from 45+ reviews

See what our clients say about our HELOCs

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

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.

Get cash fast with a HELOC

Tap into your home’s value and see how much you can afford.

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