No appraisal

No appraiser at your door

Most lines up to $400,000 use an automated home value. 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 no-appraisal HELOC?

For most lines up to $400,000, your home's value comes from an automated valuation instead of an appraiser visit. No scheduling, no one walking through your house.

If an automated value isn't available, a quick exterior-only check is used instead.

Why skip the appraisal

Automated home value

Lines up to $400,000 usually skip the appraisal.

Think it's worth more?

State a higher value and we'll re-run your offer with an appraisal.

Fixed rate

Lock it for 10, 15, 20 or 30 years.

Nothing out of pocket

Fees come out of the line.

Usually no appraisal: Up to $400k; Usually no appraisal
10 to 30 years: Fixed rate; 10 to 30 years
Of your home's value: Up to 89%; Of your home's value
Out of pocket at closing: $0; Out of pocket at closing

How much can you borrow without an appraisal?

Up to $400,000 and up to 89% of your home's value, minus your mortgage. Lines over $400,000 need a full appraisal.

Think the automated value is low? State a higher value and we'll re-run your offer, confirmed with an appraisal.

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

No-appraisal HELOC questions

Will I need an appraisal?

Usually not for lines up to $400,000. If an automated value isn't available, a quick exterior-only check is used.

What if my home is worth more than the estimate?

Tell us the higher value. We'll re-run your offer and confirm it with an appraisal.

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.

Where is it available?

46 states and DC. Not yet in California, Hawaii, Massachusetts, Nevada or New York.