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
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)
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.
Get My Quote NowGet 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.

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 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!
Explore Other Loan Options
Fixed-Rate Second Mortgage
Access your equity with the stability of a fixed interest rate and predictable monthly payments.
Cash-Out Refinance
Replace your current mortgage with a new, larger loan and get the difference in cash.
Renovation Loans
Finance your home purchase and the cost of your renovations all in one single loan.