Instant HELOC Loans

Instant Cash Out HELOC Loans

No Appraisal, No Documents, Fast Funding. Close in as fast as 1 day for investments and 3 days for primary homes!

Get Funded in 3 Easy Steps

Apply Online

Get pre-qualified in minutes with our simple and secure online application.

Instant Verification

Our AVM confirms your property's value and you can connect your bank account digitally. No appraisals or paperwork.

Get Funded Fast

Funds are available in as little as 1 day for investors and 3 days for primary homes.

Loan Parameters At-a-Glance

95%
Max LTV
700+
Minimum FICO
$500k
Max Loan
No
Appraisal Needed

Access Cash Instantly with a Hassle-Free HELOC

Need cash fast? Our Instant HELOC Loans provide immediate access to home equity with no appraisal, no income documents, and a digital bank account connection. Whether you’re an investor, second home owner, or primary homeowner, you can get cash out quickly with a one-day close for investment properties and funding in as little as 3 days for primary homes after the rescission period.

Why Choose Our Instant HELOC?

  • No Appraisal Required – Uses AVM (Automated Valuation Model)
  • No Income Documents Needed – Connect your bank account digitally
  • One-Day Close for Investment Properties – Get cash fast
  • Primary Home HELOCs Fund in Just 3 Days – Once rescission is complete
  • Cash-Out Available – Use your equity for any purpose

Eligible Properties for Instant HELOCs

  • Primary Residences – Get cash for home improvements, debt consolidation, or other expenses
  • Second Homes – Access equity without disrupting your primary mortgage
  • Investment Properties – Unlock funds instantly for your next deal or repairs

With our no-hassle, fast-closing HELOC, you can access cash in record time without jumping through hoops. Apply now and secure your instant home equity line of credit today!

Instant HELOC Terms

  • Up to 95% CLTV Primary Homes
  • Up to 90% CLTV Second Homes
  • Up to 90% CLTV Investment Properties
  • No Appraisal or Income Docs
  • 700 Min FICO
  • Up to $500,000 Loan Amount
  • Fast Funding (1-3 Days)

Start Instant HELOC Application

Get an Instant Mortgage Rate Quote from The Mortgage Calculator

Ready to Get Started?

See your personalized rates in just a few minutes. No SSN required.

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Get Your Quick Quote

Real-time mortgage pricing across conventional, FHA/VA, DSCR, bank statement, non-QM and more. Compare options and move to a full application when ready.

3–5 minutes Secure No SSN to view rates

Programs We Price

Conventional, FHA, VA, USDA, jumbo, investor DSCR, bank statement, asset depletion, non-QM, HELOCs and more.

How Quotes Work

We use your scenario (location, credit band, property/occupancy, LTV) to match eligible programs and display live-like rates.

Next Steps

Lock a rate or continue to the full 1003. Your MLO team helps optimize terms and documentation for a smooth closing.

Loan Programs Available: FHA Mortgage Calculator, Conventional Mortgage Calculator, VA Mortgage Calculator, USDA Mortgage Calculator, Non-QM Mortgage Calculator, DSCR Mortgage Calculator, Fix & Flip Mortgage Calculator, Construction Mortgage Calculator, JUMBO Mortgage Calculator

Frequently Asked Questions for HELOC Loans

About The Mortgage Calculator

The Mortgage Calculator Logo

The Mortgage Calculator is a licensed Mortgage Lender (NMLS #2377459) specializing in using technology to provide access to Conventional, FHA, VA, and USDA Programs, as well as thousands of Non-QM mortgage loan variations.

Our team of over 450 licensed Loan Originators can assist with Bank Statement Mortgages, DSCR Investor Mortgages, Commercial Mortgages, Fix and Flip Mortgages, and thousands more!

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