Tap your home equity with a flexible line of credit.
A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by the equity in your home, giving you the ability to borrow, repay, and borrow again during a set draw period, usually around 10 years, followed by a repayment period of up to 20 years. HELOCs typically carry variable interest rates tied to a published index, and you only pay interest on the amount you actually use rather than the full credit limit. Homeowners commonly use a HELOC for renovations, debt consolidation, tuition, emergency reserves, or to fund other large expenses without refinancing their first mortgage.
No SSN required · Zero impact to credit · Never sold
Unlike a lump-sum loan, you only pay interest on the funds you actually draw from the line of credit.
During the draw period you can borrow, repay, and borrow again as projects, expenses, or opportunities come up.
A HELOC sits behind your existing mortgage, so you can tap equity without giving up the rate or terms you already have.
Tap the button and answer a few quick questions, no SSN needed.
Aaron's team finds the sharpest program for your scenario.
Review and lock the rate and structure that fits your goals.
Clear communication every step until you have the keys.
Most HELOCs carry a variable rate tied to a published index, typically the U.S. Prime Rate, plus a margin set by the lender. When the index moves, your rate (and minimum payment) can move with it. Some programs offer fixed-rate advance options on the balance you draw — useful if you want payment certainty on a specific project.
Aaron has access to 90+ lenders, each with different HELOC programs and pricing. He matches your scenario — credit, CLTV, property, and how you'll use the line — to the lender offering the sharpest combination of rate, fees, and draw flexibility for your situation. No single in-house product, no one-size-fits-all quote.
Educational information only. HELOC rates and terms vary by lender, change frequently, and depend on your specific scenario. Not an offer of credit. Subject to credit approval, program guidelines, and underwriting.
A HELOC is a revolving line of credit you can draw from over time, while a home equity loan is a one-time lump sum with fixed payments.
No. A HELOC is typically a second lien that sits behind your existing first mortgage, so your current loan stays in place.
Common uses include home improvements, debt consolidation, tuition, emergency reserves, or funding other large expenses.
Schedule a call with Aaron Ehresmann, Loan Originator at West Capital Lending. He'll review your scenario, walk through your options, and map out the cleanest path forward, no pressure.