Unlock Up to $750,000 in Home Equity
Get fast funding at a predictable fixed rate—without touching your low 1st mortgage payment or dealing with traditional bank delays.1,2
Borrowing Limit
Select your desired cash amount:
Built for Real Financial Needs
Discover how homeowners in Bluffton, SC are using standalone HELOCs to protect their wealth.
The Rate Guardian
You have a low 2%–4% primary mortgage rate and refuse to sacrifice it with a cash-out refinance. Placed in 2nd or 3rd lien position behind your current loan, this HELOC unlocks equity without touching your low mortgage payment.1,3
- Keep low 1st mortgage payment3
- Borrow up to 85% CLTV1
- 1st, 2nd, or 3rd lien options available1,3
Debt Consolidation
Tired of compounding 20%+ credit card interest? Replace high-interest balances with a single lower-rate fixed monthly payment, freeing up immediate household cash flow.1,2
- Consolidate high-interest cards1
- Single fixed monthly payment1
- Zero prepayment penalties1
Self-Employed & Investors
Traditional banks make self-employed borrowers jump through hoops. Secure funding using Plaid bank-statement verification for primary, secondary, or investment properties.1,2
- Digital bank statement linking2
- Investment properties eligible1
- LLC ownership options1
Estimate Your Available Equity
Adjust the sliders to estimate your line in Bluffton, SC.
How We Compare
| Feature | Digital HELOC | Traditional Bank | Cash-Out Refi |
|---|---|---|---|
| Keep 1st Mortgage Rate | Yes1,3 | Yes3 | No (Lost)3 |
| Time to Funding | As few as 5 Days2 | 4–6 Weeks3 | 30+ Days3 |
| Application Process | 100% Online (5 Mins)2 | Paperwork Heavy3 | Extensive Documentation |
| Home Appraisal Visit | None Required2 | Physical Walkthrough | Full Appraisal |
| Prepayment Penalty | $0 Fee1 | Varies by Bank | Varies by Lender |
Frequently Asked Questions
Credit lines start at $15,000 and go up to $750,000.1 Minimum required credit score is 640 for primary residences1 (680 for secondary or investment properties).1
No. If you have an existing primary mortgage, our HELOC sits behind it in a 2nd or 3rd lien position, allowing you to access cash while keeping your low primary interest rate 100% intact.1,3 (If you own your home free and clear, the HELOC can be placed in 1st lien position.)3
At origination, 100% of your line is drawn upfront.1,4 As you repay principal, funds become available to draw again over a 3 to 5-year draw period.1,4 Autopay provides a 0.25% discount.1
There are zero account opening fees, zero monthly maintenance fees, and zero prepayment penalties.1 Pay off your line anytime without penalty.1