Home Equity Line of Credit (HELOC)
Tap into the value you’ve built without touching the low rate on your first mortgage.
Fast Access to Your Home's Equity
Oklahoma Homeowners Use a HELOC for…
What is a HELOC?
A HELOC lets you borrow against the equity in your home. With this program, you receive your funds up front at closing and repay on a set schedule. As you pay the balance down, you can draw again during your redraw period, so your equity keeps working for you.
How it works
1. Apply Online
Start in minutes and see if you prequalify with a soft credit check that won’t affect your score. Click here to apply now!
2. Verify Digitally
Confirm your identity and income securely online. In most cases you won’t need to dig through paperwork.
3. Get Your Home Valued
In many cases this happens digitally, without an appraiser at your door.
4. Sign and Fund
Close with an online notary in most areas, and your funds go straight to your bank account.
Homes That Qualify
Single-family homes, townhomes, condos, and multi-unit properties up to four units. Primary residences and second homes may both qualify. Some property and ownership types aren’t eligible. We’ll let you know right away.
Get Started With Your HELOC Today
1. Take The Home
Buyer Quiz
2. Get
Pre-Approved
3. Start Shopping
For Homes
HELOC Questions, Answered
No. A HELOC is a separate loan secured by your home. Your existing mortgage, its rate, and its payment stay exactly the same.
It depends on your home’s value, what you owe on it, and your credit profile. Start online and you’ll see what you may qualify for, with no impact to your credit score.
Prequalifying uses a soft credit check, which doesn’t affect your score.
Some second homes and investment properties may qualify. Tell us about your property and we’ll let you know.
If your current mortgage rate is lower than today’s rates, a HELOC often makes more sense, because you keep that rate. If you need to restructure your whole mortgage, a refinance may fit better. We’ll walk through both.
In many cases your home can be valued digitally. Some loan amounts or properties require an in-person evaluation.
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All loans subject to credit approval, property eligibility, and program guidelines. Not all applicants will qualify.