Heloc Loans

Home Equity Line of Credit

Heloc Loans Breakdown:

Tap your home’s equity like a credit card — reusable, low-rate cash when you need it.

Interest-Only Payments – Pay just interest for the first 10 years (keeps monthly cost low).
Reusable Credit Line – Pay it down, pull it back out — perfect for remodels, investments, or emergencies.
Tax-Deductible Interest – When used for home improvements (consult your CPA).
Fast 10–21 Day Approval – Local lenders who already know your neighborhood comps.

Heloc Loan FAQ's

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How much can I borrow with a HELOC?

Typically up to 85–90% of your home’s value minus what you owe — many San Diego homeowners pull $300k–$1M+ lines.

Do I have to use the money right away? A: No — it just sits there like a credit card. Draw only what you need, when you need it.

No — it just sits there like a credit card. Draw only what you need, when you need it.

How fast can I get access to the money?

10–21 days from application to funds with my go-to lenders — faster than a cash-out refinance.

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