3 Steps to a Fast HELOC
- Get a No Cost, No Obligation Quote from US
Fill out our quick application, and we'll connect you with a Personal Mortgage Advisor to talk about your options. Our soft pull inquiry does NOT impact your credit score. - Apply For Your HELOC
Now you’re ready to complete the application for your HELOC, also known as a 1003 in mortgage speak. This is when you’ll provide your financial documentation securely for review and underwriting. - Close Your HELOC
Make sure you have a Valid government-issued photo ID (driver’s license, state ID card, or passport) with you. Your Personal Mortgage Advisor will let you know what items you’ll need to bring or send in securely for completion of your loan and also coordinate with title for the closing location and time with you, even if its in the comfort of your own home.
Our newest MAX-heloc comes with the most flexible repayment options. Up to 5 each month to maximize your savings and needs!
MAX-heloc has loan sizes that range from 100k up to 1,000,000. It also allows up to 5 repayment options each month ranging from full principle and interest to just interest and even options less than full interest so when you need flexibility you can can control it all. With no recast worries, even if lowest payment is chosen every month — you can sit back and relax for the entire life of your loan.
Here’s how it works: Once we underwrite and approve your loan request you have anywhere from 1 to 5 options for repayment of the HELOC each month and this is based on your age not credit. You can choose a payment that fits your budget and change it each month if you choose. And because the loan cannot recast you could choose to never make more than the lowest payment and keep that payment the same for up to 40 years.
Why Choose a HELOC from US Mortgages
- Unlock your equity and use it for anything you want.
- Loan Amounts from $50,000 to $750,000 (1M on MAX)
- 3yr or 5yr draw periods with 10yr interest-only option
- Credit down to as low as 640 - OK (650 req on MAX)
- Borrow up to 90% of your homes equity
- No Risk-No Obligation quotes in writing
- HELOCs up to $400k don't even require an appraisal!
- Won't affect your current rate and doesn't require mortgage insurance
- Available for primary residence, second homes, and investment properties
- We are FAST! Close in 7-10 days.
My husband and I are extremely pleased with our experience with US Mortgage and especially the assistance we received from Zachary Gloyd.
Heidi was - #1 Professional, she answered every question I had and when we were done, she asked if there was anything else I could think of. #2 she followed several times during the process to see if I needed anything or if anything else had come up. #3 she would randomly check in to make sure everything was in order and help me with any documents that they needed to close.
It was just an awesome experience!!
Heidi and her team were terrific to work with. The communication was exceptional. Every step of the way went exactly as she said it would. There was no hard sell, Heidi laid out what they could do for us and our mortgage options in a straightforward manor. I would not hesitate to use the company again and will recommend her to anyone needing a mortgage.
I had a great experience with US Mortgages. I got a great rate and considering the difficult times we are in the process was pain free.
David McKune and Debbie Johnson did a wonderful job with my loan. David may have played in instrumental part in my actually getting the bid on my house accepted in the first place.
We worked with Heidi to refinance our home. She was easy to work with, responded to all our questions in a timely manner, and kept us well informed during the process. Best of all there were no surprises.
I have had the pleasure of working with Marcy 3 times over the past 6 years to address my mortgage needs, and I couldn't be more impressed with her expertise and professionalism. Thanks to her hard work and dedication I was able to secure exactly what I needed to achieve my mortgage goals. I highly recommend Marcy to anyone seeking outstanding service and results!
The entire process from beginning to end was smooth. The team is very knowledgeable, professional and efficient. Thank you US Mortgages and team.
I queried 4 lenders before deciding on US Mortgages for my refinance. The process from initial contact to funding of my new loan was completed in 2 1/2 weeks!
US Mortgages receives a full five stars from our family! David McKune and Debbie Johnson are rock stars in the Mortgage world. They both provided exemplary customer service.
