As fast as one week. Four steps. Zero branches.
Apply in minutes
Tell us about your home and goals — typing or talking. Connect accounts for instant income verification.
Automated valuation
A digital valuation prices your home — no appraiser scheduling, no waiting on a drive-by.
Approval & e-closing
Review terms with the concierge in your language, then e-sign with a remote online notary.
Funds arrive
Money lands in your account. Draw more anytime during your draw period — from the app or by voice.
Built for real plans.
A line you draw as needed — interest only on what you use.
Answered plainly.
Is seven days really possible?+
Yes — seven days reflects the fastest lenders in our network, where automated valuation and instant income verification apply. Some states and property types require extra steps; your concierge gives you a precise timeline on day one.
Will checking my rate affect my credit?+
No. Checking your line and rate uses a soft credit pull. A hard pull only happens when you accept an offer and proceed to closing.
Can I do the whole thing in my language?+
Yes. The voice concierge guides your application, explains terms, and reads documents with you in 142 languages. Licensed human specialists join whenever you ask.
How much can I borrow?+
Typically up to 85% of your home's value minus what you owe, subject to lender credit and property approval. The terminal above gives you a realistic range in seconds.
Your equity is ready when you are.
Two minutes to check. No credit impact. No obligation.
CHECK MY LINE OF CREDIT