Refinance a HELOC

Swap your variable HELOC for a fixed rate

Pay off your current HELOC or second mortgage and pull more cash in one step. 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 HELOC refinance?

It replaces the HELOC or second mortgage you have now with a new fixed-rate line. If your current HELOC rate moves with the market, this locks it.

You can also pay off more than one loan at once, up to three, and take extra cash in the same step.

Why refinance your HELOC

Lock a fixed rate

Get off a rate that moves every month.

Combine up to three loans

We pay off first, second and third liens into one line.

Cash out in the same step

Borrow above your payoff and take the difference.

Nothing out of pocket

Fees come out of the line.

Loans paid off: Up to 3; Loans paid off
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 in a HELOC refinance?

Up to 89% of your home's value across your first mortgage and the new line. The new line pays off your current HELOC first; anything above that is cash to you.

Example: a $550,000 home, a $300,000 mortgage and a $40,000 HELOC. At 85% you could open about $167,000: $40,000 pays off the old HELOC, the rest is cash.

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
A recent statement for each loan being paid off

HELOC refinance questions

Can I refinance my current HELOC?

Yes. We pay it off as part of the new line.

How many loans can I pay off?

Up to three: first, second and third liens.

Can I take cash out too?

Yes. Borrow more than your payoff and the rest is yours.

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.