Home Equity

Home Equity Lines
of Credit (HELOCs)

Access substantial equity without disrupting your clients' investment portfolios — with HELOCs sized for high-value properties.

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High-Limit HELOCs

Lines of credit from $250K to $5M+ secured against primary residences, vacation homes, and investment properties with substantial equity.

Flexible Draw Structure

Interest-only draw periods with flexible repayment options — ideal for clients who need liquidity on-demand without committing to a fixed repayment schedule.

Competitive Rates

Variable and fixed-rate options sourced from our lender network — structured to minimize borrowing costs while maximizing flexibility for your clients.

Portfolio-Aware Underwriting

Underwriting that accounts for investment portfolios, trust assets, and business income — not just W-2 wages — to qualify your most complex clients.

  • Lines available on primary, second, and investment properties
  • Lenders who understand complex income and asset structures
  • No disruption to existing investment portfolios
  • Competitive variable and hybrid fixed/variable structures
  • Interest-only draw periods available
  • Minimum line: $250,000

How we've helped advisors unlock equity for clients without disrupting their investment strategies.

Strategic HELOC $1.2M

North Carolina Renovation Liquidity HELOC

A client with significant assets tied up in illiquid investments needed fast access to liquidity to finance a major renovation project. Through the advisor-accessed residential lending solution, the client was quickly connected with a lender specializing in HELOCs and advanced efficiently through underwriting. The line closed in just 10 business days, unlocking capital with minimal disruption.

We sourced a high-limit HELOC against the client's primary residence — a property with significant equity and no existing lien. The client drew the full line within 30 days, completed the acquisition, and repaid the line over 18 months as the business generated returns. The equity position was preserved, avoiding a taxable event and protecting long-term portfolio growth. The advisor credited the solution with strengthening the client relationship significantly.

Investment Liquidity Line $1.3M

Colorado Vacation Property HELOC

A high-net-worth client sought a flexible liquidity solution against a Colorado vacation property to pursue investment opportunities without disrupting their broader portfolio strategy. Through the advisor lending solution, multiple lenders evaluated the request and delivered competitive HELOC structures. The client secured a sizable line through streamlined underwriting and efficient execution.

We structured two separate HELOCs — one on each property — using bank statement underwriting to qualify based on business cash flow rather than tax returns. The client drew funds as needed across both renovation projects, paying interest only during construction. The flexible structure saved an estimated $40K in carrying costs compared to a fixed construction loan. Both projects completed on schedule and the client has since refinanced into long-term mortgages through our network.

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