Home improvement

Fund the project. Keep your mortgage.

Turn your equity into cash for the kitchen, the roof or the addition. Check your number in 60 seconds.

100% free & no obligation
Soft pull. Won't hurt your score
Results in under 60 seconds

What is a home improvement HELOC?

It's a home equity line used to pay for work on your house: a kitchen, a roof, an addition, a pool. You borrow against the value you've built, not against your income alone.

You get the full amount at closing at a fixed rate. If the project grows, pay down and draw again for 5 years with no new fee.

Why use a HELOC for home improvements

Cash up front

Take the full amount at closing and start the work.

Need more? Draw again

As you pay down, pull cash again for the next phase. No new fee.

Keep your low rate

Your first mortgage stays exactly as it is.

No appraisal on most lines

Lines up to $400,000 usually use an automated value. No inspection visit.

Line size: $5k–$1M; Line size
Of your home's value: Up to 89%; Of your home's value
10, 15, 20 or 30 years: Fixed rate; 10, 15, 20 or 30 years
Out of pocket at closing: $0; Out of pocket at closing

How much can you borrow for your project?

Up to 89% of your home's value, minus your mortgage, from $5,000 to $1,000,000.

Example: a $600,000 home with a $350,000 mortgage could reach about $160,000 at 85%. That's enough for most kitchens and additions.

How it works

1
Check your number
A few questions. No credit pull.
2
Pick your amount
Slide to the cash you want and see your payment.
3
Apply online
Sign online and get your money.

See my potential savings

Who qualifies

Credit score of 620 or higher
Home in your name or a revocable family trust
Owned for more than 90 days
No bankruptcy in the last 4 years
Mortgage payments current, no 30-day late in the last 2 years
Single-family home, townhome, condo or planned community

Home improvement HELOC questions

Can I draw more later?

Yes. For 5 years, pay down and draw again with no fee on later draws.

Do I need an appraisal?

Usually not for lines up to $400,000. Larger lines need a full appraisal.

Is the rate fixed?

Yes. Your initial draw is fixed for 10, 15, 20 or 30 years.

Will checking hurt my credit?

No. Seeing your numbers takes no credit pull. A soft pull comes only when you apply.

What does it cost to close?

Nothing out of pocket. A one-time fee of 1.9% to 4.9% comes out of the line, title and signing are covered, and recording costs go into a 12-month 0% plan. No annual fee.