What would you use your HELOC funds for?
Popular reasons California homeowners tap their home equity line of credit
Pay Off Credit Cards
Renovate Kitchen or Bath
Add a Pool
Tuition & Education
Buy Another Property
Major Purchase
Why California Homeowners Choose Our Online HELOC
The fastest, easiest home equity line of credit in California
Instant HELOC Pre-Qualification
Check your home equity line of credit options in 60 seconds. No hard credit pull.
No Appraisal Home Equity Loan
Our technology values your home instantly – skip the appraiser visit.
Self-Employed & 1099 HELOC Options
Bank statement programs for freelancers, contractors, and business owners.
Fastest HELOC Approval in California
From online HELOC application to funding in as little as 5 days.
100% Digital Home Equity Line of Credit
Apply online, upload docs online, e-sign, and get funded – no branch visit required.
HELOC Without Tax Returns
Qualify with bank statements instead of traditional income documentation.
Join 2,500+ California homeowners who tapped their home equity this year
How Our HELOC Compares
See why California homeowners choose our online HELOC over traditional banks
Credit cards ran up over the holidays? See your consolidation options in minutes.
Want the pool before summer? Tap equity without the bank runaround.
Self-employed or non-traditional income? Bank statement options available.
Apply for Your HELOC Online
Instant pre-qualification • No credit impact • Takes 60 seconds
Frequently Asked Questions About HELOCs
Everything you need to know about our home equity line of credit
Can I get a HELOC without an appraisal?
Yes! Our no appraisal HELOC uses automated home valuation technology. Most California properties qualify for instant valuation without an appraiser visit.
Can I apply for a HELOC online?
Absolutely. Our 100% digital HELOC application takes just 60 seconds. Upload documents, e-sign, and get funded without visiting a branch.
Do you offer HELOCs without tax returns?
Yes. We offer bank statement HELOC programs for self-employed borrowers, 1099 contractors, and anyone with non-traditional income documentation.
How fast is HELOC approval?
We offer the fastest HELOC approval in California. Qualified borrowers can close in as little as 5 days from application.
What's the difference between HELOC pre-qualification and pre-approval?
Pre-qualification is an instant estimate of your HELOC options with no credit impact. Pre-approval involves verification and is a conditional commitment to lend.
Can self-employed borrowers get a HELOC?
Yes! Our self-employed HELOC program accepts 12-24 months of bank statements instead of tax returns. 1099 workers, freelancers, and business owners all qualify.
Pre-approval is not a commitment to lend. Final approval is subject to verification of income, assets, and property eligibility.
*Closing time varies by borrower and property. As little as 5 days closing available for eligible borrowers who meet all requirements.
No appraisal required for qualifying properties (automated valuation used). Eligibility varies by property type and loan amount.
Powered by the Homebridge digital HELOC platform. MR Mortgage is a licensed mortgage broker. Equal Housing Opportunity.