Tap Into Your Home's Equity Today!

Get the cash you need from comfort of home without giving up your low mortgage rate.

What can a Home Equity Line of Credit (HELOC) be used for:

  • Home Additions

  • Kitchen Upgrade

  • Bathroom Renovations

  • New Pool

  • Debt Consolidation

  • Educational Expenses

  • Future Investment Opportunities

  • ...and many more!

Why choose HELOC?

Standalone HELOC, for 1st, 2nd and 3rd lien positions

Up to $400k, with terms of 5, 10, 15 or 30 years

Fast Funding, apply in minutes with funding in as few as 5 days.

100% online application, no need to go to the bank, apply from the comfort of home!

Lower rates, compared to alternatives such as personal loans and credit cards

Pay for other expenses, such as home renovations or debt consolidation

Find Out How Much You Can Borrow

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What our clients say

From seamless transactions to personalized guidance, our mortgage services have left a lasting impression. Hear their success stories and join the ranks of satisfied homeowners today.



Chasity and her team are great. Very personable and friendly.

I appreciate how easy they have made the process of

buying a home!

Andrew E.


Chasity was a pleasure to work with. If we had questions she was there to answer it in a timely manner. We really appreciate all the hard work that Chasity and her team put in to make our dream

of home ownership a reality!

Alyssa K.

Frequently Asked Questions (FAQs) about HELOCs

What is a HELOC?

A HELOC, or Home Equity Line of Credit, is a revolving line of credit that uses your home as collateral. It allows you to borrow money as needed, up to a certain limit, and pay interest only on the amount you draw.

How does a HELOC work?

A HELOC operates like a credit card: you’re approved for a maximum amount, and you can borrow from it as needed during a draw period, usually 5-10 years. After the draw period, you enter the repayment period, where you repay the borrowed amount over a set period, typically 10-20 years.

How is the interest rate determined on a HELOC?

HELOC interest rates are typically variable, meaning they can fluctuate over time. The rate is usually based on a benchmark rate, such as the prime rate, plus a margin set by the lender.

How do I qualify for a HELOC?

To qualify for a HELOC, we typically look at your credit score (minimum FICO score to qualify is 640), income, employment history, and the amount of equity in your home. A good credit score and a significant amount of home equity can improve your chances of approval..

Can I get a HELOC if I already have a mortgage?

Yes, you can get a HELOC if you already have a mortgage, as long as you have enough equity in your home and meet the lender’s other qualifications.

Can I pay off my HELOC early?

Yes, you can typically pay off your HELOC after 90 days of lock-out period without prepayment penalty.

How long does it take to get approved for a HELOC?

Approval may be granted in 5 minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. 3 business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise reqyuire an in-person closing.

A Division of Tyky, LLC | Equal Housing Lender

NMLS #1048641

Licensed by the Department of Real Estate under the California Residential Mortgage Lending Act

(661) 322-5626

5060 California Ave Suite 1090 Bakersfield, California 93309