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PUT YOUR HOME EQUITY TO WORK

Fast and easy HELOC
with SABIZ

  • No in-person appraisal required2
  • 100% online application, 5 minute pre-approval. Funding in as few as 5 days2
  • Borrow from just $15k up to $750k. Redraw up to 100% as you repay3
  • Fixed and variable rate options available!1
Find my HELOC rate

Checking your rate will not affect your credit score4

Loans funded
Households served
Trustpilot rating
Money Best Home Equity Lenders 2026 badge awarded to the lending platform partner

Featured in

Forbes Bloomberg The New York Times Money MagazineREAL SIMPLE

Approval in 5 minutes2

Funding in as few as 5 days2

Investment properties welcome

Put your property's equity to work. Explore financing for your primary home, a second home or an investment property.3

Check your rate without affecting your credit

Take the first step with confidence. Preview your personalized rate options with an initial check that leaves your credit score unchanged.4

100% online application

Move your plans forward from wherever you are. Start your application online in minutes, with SABIZ by your side.2

Borrow up to $750k

Think bigger about what's next. Explore financing from $15,000 to $750,000 for home improvements, debt consolidation or your next project.3

Fixed or variable rates

Find an option that fits your goals. Explore fixed and variable rates with guidance to help you choose.1

Origination fee deducted from funding

Keep the process simple: your origination fee comes directly out of your initial funding, with the details clearly outlined in your offer.5

Online notary and expert support

Get to closing with a team by your side. Enjoy the convenience of online notarization where available and guidance along the way.2

No annual fee or prepayment penalty

Keep more flexibility as your plans evolve. Maintain your line without an annual fee and pay it off early without a prepayment penalty.5

Check your HELOC rate

What is a HELOC?

A HELOC is a revolving line secured by your home. You draw what you need (up to your credit limit), repay, and can draw again — similar to a credit card, but typically at lower rates because it’s secured.1

To qualify for a HELOC, you'll also need to meet certain requirements, including:

  • A strong credit score
  • A consistent payment history
  • A manageable debt-to-income (DTI) ratio
  • Sufficient equity available in your home

How does our HELOC work?

  1. Complete our 100% online application

    No in-person appraisal needed for loans under $400K. Prequalification won’t affect your credit score4.

    You’ll instantly see your HELOC options for eligible properties held solely, jointly, in a revocable trust, or by an LLC.

  2. Get approved in 5 minutes, funding in as few as 5 days2

    Borrow from $15,000 to $750,0003 with one-time origination fee.5

    Easy online notary services in most locations with expert support.

  3. Option to redraw up to 100%1

    Take advantage of the option to take additional draws as needed.

Example of a HELOC prequalification screen on a phone

How does our HELOC compare against other options

Explore your options and see why our straightforward online application, quick funding, and competitive rates make us the smart choice for your financial needs.

Our HELOC Traditional Bank HELOC Average Personal Loan
Application 100% online, see your rate instantly Varies by lender, may require in-person processes Varies by lender
Prepayment penalty Never Possible, varies by lender Possible
Tax deductible For home improvement (be sure to consult a tax professional)7 For home improvement (be sure to consult a tax professional) Not tax deductible for personal use
Funding speed Funding in as few as 5 days on loans under $400k2 Could be weeks Varies, generally quick
Average APR Competitive rates5 Variable rates, potentially higher Typically higher than HELOCs
Find my HELOC rate

For what you have in mind

What can I use a HELOC for?

A HELOC can be used for many different purposes such as:

Home improvement

Finance your next project.

High interest debt consolidation

Tap equity to simplify debt into one easy payment.

Education

Pay for college tuition at a lower rate.

Fund Business

Finance your business ventures.

Retirement

Major purchases, and more.

Buy another property

Put your home equity toward a down payment.

Find my HELOC rate

Adjust the chart below to create the custom amount that relates to you.

$800,000
$550,000

See how much you could borrow

The amount you can borrow with a HELOC will vary based on certain factors such as the appraised value of your home and what percentage of that value the lender will allow you to borrow.

Our HELOC loan amounts range from a minimum of $15,000 to a maximum of $750,000.3

Checking your rate today won’t impact your credit!

In this scenario, you could qualify to borrow up to

$90,000 Check Out Your Rate

*Based on borrowing 80% of your current home value

Let's answer your questions

Frequently asked questions

What is a home equity line of credit (HELOC)?

A home equity line of credit, or HELOC, is a revolving line of credit. Instead of receiving a one-time loan amount as you do with a traditional loan, a HELOC gives you a borrowing limit (or credit limit). As you repay the balance, you can withdraw money from the credit line as you would with a credit card when you need it. A HELOC is secured by your home as collateral.

How much would my monthly HELOC payment be?

Your monthly HELOC payment depends on your loan amount, interest rate, term, fees and additional draws. Review the payment shown in your offer.

What’s the difference between a HELOC and a home equity loan?

A home equity loan provides a lump sum with fixed payments and interest, usually over 5 to 20 years, and is often used for major home repairs or debt consolidation. In contrast, a traditional HELOC offers a flexible credit line for ongoing expenses, allowing you to borrow as needed over a set period. Our HELOC gives you the full amount upfront with fixed or variable interest rate options, but like a traditional HELOC, you can borrow again once part of the principal is repaid.1

What are the requirements to qualify for a HELOC?

To qualify for a HELOC, you must have sufficient equity in your home, meaning the amount you owe must be less than the home's current value. Lenders typically allow borrowing up to 85% of the home's value minus what you owe. Besides equity, lenders consider factors like credit score, credit history, employment, income, debt payments, and debt-to-income ratio to determine approval, credit line amount, and interest rate. The qualification process is similar to applying for a mortgage, so it's important to research and ensure you meet specific lender requirements before applying.

Can I apply with a property owned by an LLC?

Yes. Our HELOC accepts properties held in LLCs as eligible collateral, as long as all standard underwriting requirements are met.

Is our HELOC tax deductible?

You may be able to deduct interest paid on a home equity product if the loan is used for home improvement. You should consult a tax advisor regarding the deductibility of interest and charges.

How do HELOC interest rates work?

There are lenders that offer both variable rate and fixed interest rate home equity lines of credit. Our HELOC offers both fixed and variable options so you can choose the option that works best for you. A fixed-interest rate HELOC can provide payment predictability and peace of mind for borrowers. A variable-interest rate can change over time and follows the market. Some months your payment could be higher, and some months it could be lower.

How long does it take to get a HELOC?

Most applicants can complete the application in 5 minutes and you'll receive the results of your prequalification request immediately. However, final approval is subject to verification of income and employment, as well as the condition of the property.2

Get started
with a HELOC

Apply online in minutes, with funding in as few as 5 days. Enjoy competitive rates and get the funds you need, fast.2

Find my HELOC rate

Important information and conditions

Subject to credit approval and program requirements. Your loan documents govern.

  1. Disbursement and rates. The full initial amount is disbursed less the origination fee. Additional draws are limited to the draw period. Each fixed-rate draw uses the prior month’s Wall Street Journal Prime Rate plus a margin and may have a different rate. Variable rates and payments adjust monthly on all balances using the contractual index and margin, subject to floors and caps. Variable option unavailable in MA, VA, MS, IL, WI, VT, DC, OK, TX, NY, CO, WY, WV and SC.
  2. Approval and timing. Five-minute approval requires verified income, employment and a report confirming at least average property condition. Five-business-day funding assumes online notarization and a loan below $400,000 without an appraisal. Appraisals, in-person signing, recording restrictions or waiting periods can delay funding. Loans above $400,000 require an appraisal.
  3. Amounts and eligibility. Minimums: $25,001 in Alaska and $35,000 in Texas; $15,000 elsewhere. The $750,000 maximum is subject to verified home value, lien position, credit, income and available equity. Value is established through independent data, automated valuation or appraisal.
  4. Credit inquiry. The initial rate check does not affect your score. Submitting a full application requires a hard credit inquiry that may affect it.
  5. Rates, fees, and insurance. Rates depend on credit, combined loan-to-value, term, occupancy, application date and fee options. Origination: up to 4.99% of the initial draw. Other possible costs: $180 valuation if automated valuation is unavailable; $500–$2,000 appraisal above $400,000; $350 manual notarization; $0–$315 recording; and $0–$1,400 recording tax per $100,000 borrowed, depending on location and transaction. Property insurance is required; flood insurance may be required. HELOC APR excludes non-interest costs.
  6. Educational calculator. Illustrative estimate, not a lending commitment: 80% of home value minus mortgage balance, capped at $750,000. Your approved amount may differ based on underwriting, including credit, verified value, liens and debt-to-income ratio.
  7. Tax treatment. Consult a tax professional about deductibility for your use of funds and circumstances.
  8. Platform statistics and recognition. As of September 8, 2026, the displayed statistics, rating, award and media coverage relate to the lending platform provider, not SABIZ or PRMG.

Lender: PRMG, NMLS #75243. Ariel Saavedra, MLO, NMLS #2679529. Check the lender's license ↗. Equal Housing Opportunity.

Applications for properties in New York are not accepted through this program. PRMG licenses ↗ · PRMG privacy policy ↗ · PRMG terms of use ↗.