Apply for a HELOC in California
Tap into your home equity with fast 5-to-7-day funding, low wholesale rates, and flexible options. Pre-qualify online in minutes with a soft credit check—no impact on your credit score!
Fast Approval & Funding
Pre-qualify online in minutes with funding in as few as 5 to 7 days
No Credit Score Impact
Pre-qualification relies on a soft credit check that won't hurt your credit
Up to 85%–90% CLTV
Borrow up to $750,000+ for renovations, debt payoff, or investments
Continue With Your HELOC Application Below
Fast 2-minute form to check your rate and available equity line
What Can You Use a Home Equity Line of Credit For?
Home Improvement
Renovate your kitchen, build an ADU, or install solar
Debt Consolidation
Replace high-interest credit cards with low fixed/variable rate payments
Investment Property
Access cash quickly to fund down payments on new real estate deals
Major Expenses
Cover education costs, medical bills, or maintain a revolving credit reserve
Eligible Property Types
- Single Family Homes
- Condos
- Townhomes
- PUDs
- Multi-Family (1–4 units)
Eligible Occupancies
- Primary Residences
- Second / Vacation Homes
- Investment Properties (including LLCs)
Frequently Asked HELOC Questions (FAQs)
A HELOC allows homeowners to tap into their accumulated property equity as a flexible, revolving credit line. Unlike traditional fixed loans that issue cash as a single lump sum, a line of credit lets you borrow what you need, repay the principal, and borrow again during your draw period—similar to how a credit card operates, but at substantially lower interest rates because it is backed by your home.
Your maximum credit limit depends on your home’s current market value, existing mortgage balance, and credit profile. As an independent broker, United We Mortgage connects you with wholesale loan programs accommodating up to 85% to 90% Combined Loan-to-Value (CLTV) with borrowing limits reaching up to $750,000+. We utilize automated valuation models and streamlined property data to evaluate your available equity quickly.
To qualify for competitive equity line rates, lenders typically review three main criteria:
Credit Score: Minimum 600 FICO score (higher scores unlock maximum LTV and lower interest rates).
Debt-to-Income (DTI): DTI ratio capped around 50%.
Sufficient Equity: Keeping at least 10%–15% equity remaining in your property post-closing.
No, pre-qualification relies on a soft credit check that does not impact your credit score. Depending on the specific program guidelines, either AAA American Group dba United We Mortgage or our selected wholesale lender partner will perform the soft inquiry. By applying, you authorize us to review your scenario across our vetted lender network so we can match you with the best rates and loan terms for your needs.
While traditional big-box bank HELOCs often drag out over 45 to 60 days, our digital wholesale brokering process moves significantly faster. Most borrowers complete their initial application in under 10 minutes, receive automated pre-approval feedback, and can access their cash in as few as 5 to 7 business days through our streamlined wholesale lender partners.
There are zero restrictions on how you use your credit line. Local homeowners commonly use their equity to:
Pay down high-interest credit card debt or personal loans.
Fund home improvements, room additions, or ADU construction.
Secure down payment capital for additional investment real estate acquisitions.
Cover tuition costs, unexpected medical bills, or maintain a liquid cash reserve.
We arrange HELOC options for a wide variety of California residential real estate. Eligible property types include Single Family Residences (SFR), Condominiums, Townhomes, PUDs, and Multi-Family (1–4 unit) properties. Eligible occupancies include primary residences, vacation/second homes, and non-owner-occupied investment properties (including properties held in an LLC).
A Home Equity Loan provides a single lump-sum payout upfront with fixed monthly payments over a set duration. A HELOC offers a flexible, revolving credit line where you only pay interest on the money you actively draw. As a dual-licensed wholesale broker, we shop top nationwide lenders to help you decide which home equity option best fits your financial goals.
AAA American Group dba United We Mortgage is an independent wholesale mortgage broker. To find your best option, we evaluate your application against our network of top nationwide lenders to match you with the ideal wholesale HELOC program.
