Reach your equity without touching your first mortgage.
Home equity lines of credit across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
A HELOC sits behind your existing loan rather than replacing it. If your first mortgage rate is good, that difference is the whole point.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
A HELOC is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| Your first mortgage rate is low and you want to keep it | This is the single strongest argument for a HELOC over a cash out | Cash out refinance → |
| You do not know exactly how much you need | A line of credit lets you draw as you go rather than taking a lump sum | Home equity loan → |
| You are renovating in stages | Draw for each phase rather than borrowing it all at the start | FHA 203k → |
| You want a reserve rather than a debt | Many people open one and never draw on it | Talk to us → |
| You are consolidating but want to keep your first loan | A second lien does the job without disturbing what you have | Debt consolidation → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a HELOC file needs
Equity in your home
After allowing for what you already owe on the first mortgage.
A credit history the lender can price
Second liens are underwritten carefully, because they sit behind the first loan.
Income you can evidence
Standard documentation, or a non-QM route if you work for yourself.
A valuation
Sometimes a full appraisal, sometimes lighter, depending on the lender.
Understanding of the draw period
A HELOC has a period when you can draw, and a period when you repay. Know which you are in.
A lender that offers them
Fewer than you would think, which is part of why this page exists.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
The rate usually moves
Most HELOCs are variable. That is the trade you make for keeping your first mortgage untouched.
The payment changes when the draw period ends
This catches people out years later. Know the date before you sign, not afterwards.
It is secured on your home
Same as any mortgage. Convenient access does not change what is behind it.
Nadeem Bhatti
Where we place HELOCs
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What homeowners ask about HELOCs
How is a HELOC different from a cash out refinance?
A cash out replaces your whole mortgage. A HELOC sits behind it and leaves it alone. If your existing rate is good, that is a significant advantage.
Is the rate fixed?
Usually not. Most HELOCs are variable, which is the main trade-off against a home equity loan.
Do I have to use it straight away?
No. Many people open one as a reserve and never draw on it. Terms vary, so check whether there is any cost to keeping it open.
What happens when the draw period ends?
You move into repayment, and the payment changes. Knowing that date in advance matters more than almost anything else here.
Can I use it for a deposit on another property?
Often yes. It is a common way to fund a second home or a first rental.
See what a line of credit would look like
Tell us about your home and your current mortgage. We will price a HELOC against a cash out, free.