Our specialty is offering Home Equity Lines of Credit (HELOCs) for all types of borrowers: self-employed, unemployed, retired, investors, and any property owner who cannot go the conventional route.
HELOCs
Core Structure:
- 2, 3, or 5-year draw periods
- Interest-only payments for the first 10 years
- 20- or 30-year total loan terms
Alt Doc & No-Income Options
Conventional lenders rely heavily on tax returns, but we know that doesn’t always reflect the full picture. Our HELOC programs include Alternative Documentation (Alt Doc) options.
- WVOE (Written Verification of Employment)
- Profit & Loss Statements (P&L)
- Bank Statements (personal or business)
- DSCR (Debt Service Coverage Ratio for investors)
Maximum CLTV up to 75% depending on the documentation type.
No-Income HELOC Option (Yes, Really)
For qualified borrowers, we also offer a No-Income Verification HELOC.
- Owner-occupied properties
- Up to 60% CLTV
- Minimum 640 FICO
Investor-Friendly HELOC Solutions
Real estate investors are a big part of what we do.
- No-ratio investment options
- DSCR qualification (no personal income required)
- Lienient underwriting for rental portfolios
Our HELOCs are available for a wide range of borrowers and property types:
- Primary residences
- Second homes
- Investment properties
- Foreign Nationals eligible
Loan Amounts:
- From $25,000 up to $3,000,000
Reach out, and we’ll connect you with a Heloc loan specialist to go over your scenarios.
