Empower Your Finances:
The Loan Exchange’s HELOC Benefits
Up to $250,000
Your rate is always capped - it can only go lower
Apply online and get approved in less than 5 minutes*
Proposed HELOC.
HELOC LIFE CAP
Rate & APR as low as
PREAPPROVED LINE OF CREDIT:
- ACCESS $25K - $250K*
- CONSOLIDATE DEBT
- FINANCE LARGE EXPENSES
- REDRAW UP TO 100%*
- NO APPRAISAL REQUIRED*
- NO TAX RETURNS*
Example
REVOLVING DEBT
AVERAGE INTEREST RATE28.00%
MONTHLY PAYMENT
Proposed
EQUITY ACCESS LINE OF CREDIT
CONSOLIDATE DEBT
CASH AT CLOSE*
AVAILABLE EQUITY ACCESS*
HELOC LIFE RATE CAP*
NEW MONTHLY PAYMENT*
PROPOSED MONTHLY SAVINGS
PROPOSED ANNUAL SAVINGS
Apply Now
HELOC LIFE CAP
Rate & APR as low as
PREAPPROVED LINE OF CREDIT:
- ACCESS $25K - $250K*
- CONSOLIDATE DEBT
- FINANCE LARGE EXPENSES
- REDRAW UP TO 100%*
- NO APPRAISAL REQUIRED*
- NO TAX RETURNS*
Example
REVOLVING DEBT
AVERAGE INTEREST RATE28.00%
MONTHLY PAYMENT
Proposed
EQUITY ACCESS LINE OF CREDIT
CONSOLIDATE DEBT
CASH AT CLOSE*
AVAILABLE EQUITY ACCESS*
HELOC LIFE RATE CAP*
NEW MONTHLY PAYMENT*
PROPOSED MONTHLY SAVINGS
PROPOSED ANNUAL SAVINGS
By clicking Continue you hereby agreed to be contacted by The Loan Exchange, its partners, and its service providers, at the telephone number(s) you have provided above by automatic dialing systems, artificial or pre-recorded voice messaging, or text message, even if you have listed yourself on any Do Not Call list, to explore personal loan and other debt resolution options and for telemarketing, account servicing, and other purposes with respect to all services The Loan Exchange, its partners and its service providers, may offer or provide you. Data and message rates may apply. You understand that your consent is not required as a condition to use this service and you may call to speak with a representative.
Don't Just Take Our Word for It.
I cannot express enough gratitude for the exceptional service provided by Paul Bae during my recent HELOC application process. From start to finish, Paul demonstrated unparalleled professionalism, expertise, and a genuine commitment to ensuring my financial needs were not just met, but exceeded.
I recently worked Loan Exchange to secure a home equity loan, and I couldn't be happier with the service I received. Nick was incredibly knowledgeable, responsive, and went above and beyond to ensure the process went smoothly. I was able to navigate the loan process with ease. I highly recommend Loan Exchange.
“Anyone looking for a HELOC loan, I recommend you look at The Loan Exchange. Working with Nick and Paul was seamless and on time. I strongly recommend that you reach out to Loan Exchange.”
Questions?
We've got answers.
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What are the criteria to qualify?
Own a home in California and have equity in your home. Have enough income to be able to pay your monthly payments. Meet certain criteria such as credit score, income, property value.
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Would the interest rate change?
Your initial rate is set at the life rate cap or maximum interest rate for the life of the loan. So the interest rate can lower in your favor but will not increase above the initial rate until the loan matures.
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Do I have to draw full credit line at closing?
You can draw partial amount of credit line at closing. After closing, you can draw minimum $5,000 up to remaining line of credit.
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What's my monthly payment?
During the first 5 years (“Draw period”), your monthly payment will be interest only on the outstanding balance. After then, your monthly payment will be accrued interest plus principal at the end of Draw period amortized over 240 months.