Your Home Has Equity.
Let's Unlock It Together.
We look at the full picture, not just a single number. We make it easier for qualified homeowners to access the equity they've worked hard to build.
Learn How It Works
Your Equity Is Within Reach, Even If Your Credit Isn't Perfect.
Traditional lenders rely on rigid criteria. If your documentation is non-standard or your credit history has a few rough chapters, some lenders turn you down.
That is their limitation. Not yours.
You have equity in your home. You deserve a lender who evaluates your full financial situation, not one that reduces you to a single score.
No impact to your credit score
Three Steps to Accessing Your Equity
See If You Qualify
Start by telling us about yourself, including your property and financials.
About 2 minutesTalk to a Loan Officer
A named loan officer reviews your information and contacts you, typically within 1 business day.
Within 1 business dayGet Funded
Once your complete application reaches underwriting, funding can happen in as few as 8 days.*
As few as 8 days*Every situation is different. The fastest way to find out what your equity can do for you is to start your application.
See If You QualifyWhat Homeowners Use Their HELOCs For
A HELOC from The HELOC Company gives you a flexible credit line you can draw from as needed during your 5-year draw period.
Access your funds as you need them, and you only pay interest on what you use. Among recent HELOC borrowers nationally, here is how funds are most often directed.
46%
Home renovations and improvements
39%
Debt consolidation
15%
Other uses (education, medical, emergency, investment)
Source: MBA 2025 Home Equity Lending Study, 2024 data (mba.org).
Licensed. Regulated. Accountable.
The HELOC Company is a licensed home equity lender operating in 29 states. NMLS #2506404. Equal Housing Lender.
Licensed (29 states)
See What Your Equity Can Do.
Starting an application takes minutes and has no impact to your credit score. If you have questions first, call us at 1 (800) 218-3991 or reach out through our contact page.
No impact to your credit score
Call 1 (800) 218-3991
Mon-Fri, 8:00 AM - 5:00 PM ET
*Based on data collected from funded loans between October 1, 2025 and December 31, 2025. Time is measured from submission of complete application with supporting materials to underwriting through date of funding.