Skip to content
EquityFast
Español

Get EquityFast: home equity, reimagined

Your equity. Your terms.

Skip the paperwork, and skip the appraisal on loans under $400K.* Get a competitive-rate HELOC with instant, tech-verified income and terms you control.

Start My RequestRun the Calculator

Estimated available line

$242,500

Within the $5K-$1M EquityFast range

Home value$650,000
Mortgage balance$310,000
Get My Real Numbers

Estimate only, based on borrowing up to 85% of your home's value across all liens. Soft credit check: no impact to your score.

  • No tax returns
  • No W2s
  • No paystubs
  • No appraisal under $400K*
  • Soft credit check
  • Draw only what you need
  • FICO 620+
  • Fixed-rate draw options

HELOC or HELOAN.
You have options.

Take a revolving line you can draw from again and again, or a fixed lump sum with a set payment. One EquityFast application matches you to whichever fits. Here are the guidelines both programs share.

Compare the programs
Loan / line amount
$5,000 to $1,000,000
Credit score (FICO®)
As low as 600*
Max CLTV
Up to 90%*
Max DTI
Up to 55%*
Occupancy
Owner & non-owner
Lien position
1st & 2nd
Eligible property types
SFR, condo, PUD, townhome, 2-4 unit
Terms available
5, 10, 15, 20 & 30 yr
Funding speed
As few as 5 days*

*Program availability, line amount, credit score, CLTV, DTI, lien position, and property-type eligibility vary by program, occupancy, state, and borrower profile; not all combinations shown are available together.

Your Equity. Your Terms.

Fund renovations, consolidate high-interest debt, support family, or build a safety net, and pay interest only on what you actually draw.

Consolidate high-interest debt, fund renovations without the need of an appraisal*, support family, invest in another property, or build a safety net. More importantly, pay interest only on what you actually draw.

EquityFast at a glance

Maximum line
$1M
Approvals in as little as*
30 min
FICO® accepted
620+
Appraisal under $400K*
$0

Why homeowners
choose EquityFast.

A modern underwriting stack replaces the paperwork pile, so eligible homeowners get answers in minutes instead of weeks.

See What I Qualify For

  • Renovate Without an Appraisal

    Faster access to funds, no traditional appraisal required on eligible loans.

  • Consolidate High-interest Debt, FICO® From 620+

    One manageable draw across a wide range of credit profiles.

  • Approvals in as Little as 30 Minutes*

    Unlock your equity faster and move forward without the usual delays.

  • No Documentation Required

    No taxes, W2s, or paystubs: our tech verifies income fast, without the paperwork pile.

Explore before you commit

  • Application Process

    The four steps from first question to available funds, plus what makes EquityFast faster.

  • Equity Calculator

    Estimate your available line, then plan which projects return the most equity per dollar.

  • HELOC Info & FAQ

    How a HELOC works, EquityFast vs. a traditional HELOC, and answers to common questions.

  • About EquityFast

    The AI-powered platform built for homeowners overlooked by legacy lenders.

Ready to get Your Equity on Your Terms?

Answer a few quick questions. Soft credit check only: it won't affect your score.

Start My Request
Follow @equityfast