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 it is ill-advised to replace it with a new loan. Placed in 2nd or 3rd lien position behind your current loan, our 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 digital bank-statement or IRS.gov 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 | Standard Documentation |
| Home Appraisal Visit | No In-Person Appraisal (Under $400k)2 |
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. Minimum required credit score is 640 for primary residences (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 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. 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. Pay off your line anytime without penalty.1