Buy the equipment
Replace tools, add a work truck, or invest in the capacity to take on more work.
Fast online home equity for homeowners & business owners
Turn Your Home Equity Into Opportunity.
Put your home equity to work for equipment, expansion, higher-rate debt, improvements, working capital, or a future investment—while keeping your existing first mortgage in place.
- ✓Soft credit check—no initial score impact.
- ✓Self-employed? Business bank income can help you qualify.
- ✓Funding in as few as 5 days.3
- ✓Typically no appraisal under $400K.4
- ✓$15K–$750K available.1
- ✓Fixed or variable options.2
Checking your available rate will not affect your credit score.
A hard credit inquiry may be required if you continue with a full application.
Zero initial credit impactPrequalification begins with a soft credit inquiry.
Typically no in-person appraisalFor qualifying HELOCs under $400,000 when an automated valuation is available.4
Funding in as few as 5 daysFor qualifying loans under $400,000.3
A real loan officerKelly is available when you need help comparing paths.
Buy. Build. Expand. Simplify.
Six ways your equity could go to work.
Turn equity you have already built into practical capital—without forcing you to replace a favorable first-mortgage rate.
Grow the business
Add a crew, open a location, build inventory, or fund the next stage of expansion.
Consolidate expensive debt
Explore replacing eligible higher-rate business or personal balances with one clearer strategy.
Improve the property
Handle repairs, renovations, or upgrades that protect or increase long-term value.
Create working capital
Build a cushion for payroll, materials, seasonal slowdowns, or a time-sensitive opportunity.
Bridge to another property
Explore using available equity toward a future down payment or investment purchase, subject to the new loan's requirements.
A modern HELOC process
Fast enough for real business decisions.
✓
Keep your first mortgage
A HELOC is generally added behind your existing mortgage rather than replacing it.
✓
Fixed or variable options
Review the available structure and terms that fit your situation.2
✓
Potential redraw access
Eligible borrowers may be able to redraw principal as it is repaid during the applicable draw period.2
✓
Digital property and income review
Many steps can be completed by securely connecting financial accounts and verifying property details online.
Rental-property financing
Own investment property? There may be another path.
Home equity and DSCR financing solve different problems. Start with the property and the goal, then follow the appropriate route.
Online now
HELOC for available equity
Explore equity in an eligible primary, secondary, or investment property using the secure online Figure-powered process.
- ✓ Personal and qualifying business income may be considered
- ✓ Keep the existing first mortgage in place
- ✓ Soft credit inquiry to check available rates
For real estate investors
DSCR and investor loans
Qualify an eligible non-owner-occupied rental primarily through the property's cash flow rather than personal W-2 income.
- ✓ Figure DSCR refinancing for eligible rental properties
- ✓ Other lender options for rental purchases
- ✓ No W-2s or personal tax returns for qualifying DSCR programs
Not looking for a HELOC?
Find the right starting point in under a minute.
Kelly also works with conventional, FHA, VA, bank-statement, cash-out refinance, DSCR, and other mortgage programs. Answer one question and we will point you toward the cleaner next step.
Step 1 of 2
What are you trying to accomplish?
Your next step
Let's find the right route.
Common questions
Understand the basics before you begin.
Will checking my HELOC rate affect my credit score?
No. Checking available rates begins with a soft credit inquiry, which does not affect your credit score. If you accept an offer and continue with a full application, a hard credit inquiry may be required and may affect your score.
Can self-employed homeowners use business income?
Figure allows applicants to connect qualifying business bank accounts as part of income verification. Approval is not guaranteed, and additional documentation or information may be required.
How quickly could a HELOC fund?
Qualifying HELOCs under $400,000 may fund in as few as five business days when remote online notarization is available and no appraisal or additional property review is required. Many applications take longer.
Is this a business loan?
No. A HELOC is secured by your home and is a personal obligation even when proceeds are used for a business purpose. Failure to make payments could put your home at risk.
What if I want to buy or refinance a rental property?
A DSCR loan may allow an eligible investment property to qualify primarily from rental cash flow. Figure's current DSCR program is focused on refinances; Kelly can discuss other lenders for purchases and additional investor scenarios.
See what your equity could make possible.
Start with a free rate check and no initial impact to your credit score.