Complete your application
Share your property, financial and identity information through the secure application.
Home Equity Line of Credit
Your equity. Ready when you need it.
Access up to $750,000 without replacing your current first mortgage. Start your secure HELOC pre-approval in just a few minutes.
- Keep your existing first-mortgage rate
- Access up to $750,000 in available equity
- No appraisal for qualifying lines under $500,000
- Flexible access for renovations, debt consolidation, investments and more
Secure application About 5 minutes
Up to $750K
Available line amount
As little as 5 days
Potential funding timeline
Under 2 minutes
Initial online prequalification
A clearer path to your equity
From application to available funds
Review your options
A MAXA HELOC specialist reviews your scenario and available program terms.
Verify and fund
Complete required verification and closing steps, with funding available for qualified borrowers.
Keep your rate
Access equity without refinancing your entire first mortgage.
Draw as needed
Use the line when you need it and pay interest on the amount drawn.
Guided support
Work directly with an experienced MAXA HELOC specialist.
Common questions
HELOC pre-approval, explained
Will a HELOC replace my current mortgage?+
No. A HELOC is generally added as a separate line of credit, allowing you to keep your existing first mortgage and its current rate.
How quickly can I receive a decision?+
Many qualified applicants can receive an initial decision quickly. Final timing depends on verification, property details and underwriting requirements.
Why do you need my date of birth and Social Security number?+
They are needed to verify your identity and complete a soft credit inquiry used to prepare your preliminary offer. The soft inquiry does not affect your credit score. No hard inquiry occurs unless you choose to accept an offer and authorize the next step.
Does submitting guarantee approval?+
No. All applications are subject to credit review, verification, program availability and final underwriting approval.