5‑Day HELOC · Unlock the equity in your home — fast
5-Day HELOC: Your equity, in your hands, in as little as 5 days.
Turn your equity into cash and pay off high-interest debt — credit cards, personal loans, medical bills — while your low first-mortgage rate stays untouched. Up to 90% combined LTV on lines from $50K to $5M, with no appraisal and no hard credit pull to see your options. Primary homes and investment properties, 1–4 units, LLC-titled OK.
- Funded in as Little as 5 Business Days — No appraisal (an automated valuation is used), no reserves, and digital approvals keep the file moving. Texas files take a 12-day minimum by state law. see how it works →
- Keep Your First Mortgage — A HELOC sits behind your existing loan, so the low rate you already have stays exactly where it is.
- Up to 90% Combined LTV — Lines from $50,000 to $5,000,000. Texas is capped at 80% CLTV by state law.
- No Title Seasoning — Just added to the title? You can still qualify — there is no waiting period on ownership.
- No-Income-Verification Option — No tax returns, W-2s, or pay stubs at 680+ credit on lines of $150K or more (refinance only). see how it works →
- Add Other People’s Income — Household income can help you qualify — the other earners don’t need to be on the loan or on title.
Or skip the form — call or text 949-868-2422
- 5.0 verified client reviews
- NMLS #1996696
- Irvine, CA · 100+ lender network
60 seconds · no hard credit pull · never sold
What type of property is this?
You’ll work directly with Anthony HuynhVice President · NMLS #1996696
- Automated valuation
- No appraisal
- Up to combined LTV
- 90%
- Funded in as little as
- 5 days
- Line amounts
- $50K–$5M
- Minimum credit
- 620
Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.
Run the Numbers
Run your HELOC numbers.
Enter your numbers for a quick estimate — then turn it into real numbers with the funnel or a call.
HELOC Calculator
Estimate your available equity and draw payment — interest-only or fixed.
Enter the rate you want to model — we don’t advertise rates; your pricing is quoted individually.
Enter an interest rate above to see your results.
Opens the 60-second options check with your numbers filled in — no hard credit pull.
Already know you want it? Start your full application. Prefer to talk it through? Book a call with Anthony.
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Know Before You Apply
Can we fund your deal? Check before you apply.
The 5-Day HELOC guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.
5-Day HELOC requirements
What you need
- Minimum Credit Score: 620
- Max Combined LTV: 90% (Texas: 80%)
- Line Amount: $50K – $5M
- Funding Timeline: As little as 5 business days (Texas: 12-day minimum)
- Appraisal: Not required — automated valuation
- Reserves: None required
- Title Seasoning: None
- Property Type: Primary or investment, 1–4 units, LLC-titled OK (700+ FICO for LLC title)
- Transaction: Refinance only — on a home you already own
- Structure: 30-year with interest-only option
- Where we lend: Available in 30 states, primary homes and investment properties — see every state
General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.
Recently Funded
Recently funded: HELOC.
A sample of loans funded for clients across the country — borrower details omitted for privacy.
- HELOC
Ladera Ranch, CA · Funded Aug 2026
$500,000
- HELOC
Phoenixville, PA · Funded Aug 2026
$495,000
- HELOC
Levering, MI · Funded Aug 2026
$392,000
| Program | Location | Loan amount | Funded |
|---|---|---|---|
| HELOC | Ladera Ranch, CA | $500,000 | Aug 2026 |
| HELOC | Phoenixville, PA | $495,000 | Aug 2026 |
| HELOC | Levering, MI | $392,000 | Aug 2026 |
Examples of actual funded transactions; borrower details omitted for privacy. Past transactions are not a guarantee of loan approval or terms. All loans subject to credit approval.
5 out of 5 stars
“Anthony was extremely helpful and responsive. He quickly found out what we needed and made it happen. Excellent service!”
Jesse W · Pullman, WA · Aug 2026Verified client review 5 out of 5 stars
“The process from start to finish was seamless. Though I had all the required documentation and qualifications, but Anthony was always communicating next steps.”
Charles A · Philadelphia, PA · Aug 2026Verified client review 5 out of 5 stars
“Immediate assist with loan process, willing to help to close out the deal ASAP”
Cuong L · Philadelphia, PA · May 2026Verified client review
FAQ
Frequently Asked Questions
Common questions about the 5-Day HELOC.
How fast can I get a HELOC?
Funded in as little as 5 business days. There is no appraisal (an automated valuation is used), no reserves, and approvals are handled digitally — which is what removes the weeks most people expect from a home equity loan. Texas files take a 12-day minimum under state law. Your actual timeline depends on how quickly your file comes together and is not a guarantee.
How does a HELOC work?
A HELOC is a revolving line of credit secured by your home equity. During the draw period (typically 3-5 years), you can borrow up to your credit limit as needed, paying interest only on the outstanding balance. After the draw period ends, you enter the repayment period (typically 10-20 years) where you repay principal and interest.
Does a HELOC replace my current mortgage?
No. A HELOC sits behind your existing first mortgage as a second lien, so the loan you already have stays exactly as it is. That makes a HELOC a popular way to access equity without refinancing your first mortgage.
Is a HELOC rate fixed or variable?
HELOCs typically have variable interest rates tied to the Prime Rate, so your rate changes as the Prime Rate changes. Some lenders offer fixed-rate conversion options for all or part of your outstanding balance. Your actual pricing is quoted individually for your scenario.
How much can I borrow with a HELOC?
Your line is based on your home’s value and your existing mortgage balance, up to 90% combined loan-to-value (80% in Texas) on lines from $50,000 to $5,000,000 with 620+ credit. For example, if your home is worth $500,000 and you owe $300,000, you may be eligible for a HELOC of up to $150,000.
Can I get a HELOC on an investment property?
Yes. HELOCs are available on 1–4 unit investment properties as well as primary homes, and LLC-titled properties are OK with 700+ credit. Investment-property HELOCs are offered in most of the states we lend in — tell us the address and we’ll confirm.
Is there a HELOC with no income verification?
Yes. With 680+ credit and a line of $150,000 or more, a stated-income HELOC skips tax returns, W-2s, and pay stubs entirely. It is refinance-only — your existing first mortgage stays in place.
Related Programs
Other programs worth a look.
Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.
- Cash In Hand
Cash-Out / Investor Refinance
Replace your mortgage and take a lump sum, or reposition rental debt.
See options → - Credit From the 500s
Home Equity Agreement
Equity cash today with no monthly payments — credit accepted from the 500s.
See options → - 62+
Reverse Mortgage
Turn equity into cash with no monthly mortgage payment.
See options → - Not Sure?Let the funnel decide.Answer a few quick questions and we’ll route your scenario to the right program — 60 seconds, no hard credit pull.Find my program →
Ready to explore 5-Day HELOC?
Answer a few quick questions and get a personalized strategy recommendation — including whether HELOC is right for your situation. No hard credit pull.
Prefer a set time? Book a call · Ready to apply? Start your full application
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.