Access Your Equity Without Touching Your Low Mortgage Rate

Check Your Eligibility

30 seconds  ·  Soft pull  ·  No obligation

Step 1 of 7
What type of property do you have?
Single Family Home
Condo / Townhome
Multi-family (2+ units)
Duplex, triplex, fourplex
🔒 Your information is securely encrypted
✓ No impact to your credit score
How do you use this property?
Primary Home
Where I live full-time
Secondary / Vacation Home
Rental / Investment Property
🔒 Your information is securely encrypted
✓ No impact to your credit score
What is your estimated credit score?
Below 640
Does not qualify
640 to 679
Minimum. May qualify
680 to 739
Good. Strong approval odds
740 and above
Excellent. Best terms
Your information is securely encrypted
No impact to your credit score
Have You Had Any Late Mortgage Payments in the Last 12 Months?
Yes — this program won't be a fit
No
How much cash are you looking for?
$100,000 – $200,000
$200,000 – $300,000
$300,000 – $400,000
$400,000 – $500,000
$500,000+
What best describes why you're looking right now?
Home improvements / renovations
Pay off debt or consolidate
Access cash reserves / business capital
Funds to buy another property
Other
Contact Information
We will use your information to review your eligibility and follow up with next steps.

By submitting, you consent to be contacted by A&A Mortgage Group INC (The Loan Brief, NMLS# 2705406) via phone, automated text, and email regarding your inquiry. Consent is not required to receive services. Msg & data rates may apply. Reply STOP to opt out. Privacy Policy | Terms of Use | NMLS Consumer Access

Great news!

Based on the information provided, we found a strong potential match for you. Click the link below to connect with one of our preferred investors.

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This program may not be the right fit

Based on your answers this HELOC has eligibility requirements that may not match your situation. We may still have options. Call us to discuss.

Call Us Now

Soft credit check to start. No appraisal. Enotary. Close in as little as 5 days. Your first mortgage stays untouched.

No Refi — Keep Your Rate
No Appraisal — AVM Only
Soft Check to Start
Funded in as Little as 5 Days
100% Online — eNotary
No Prepayment Penalty
Why this works
You earned that sub-4% rate. Protect it.

A cash-out refi replaces your mortgage at today's rates. A HELOC does not. It is a separate loan that leaves your rate permanently in place.

First mortgage untouched

HELOC sits behind your first. Sub-4% rate stays locked forever.

Funded in 5 days

AVM instead of appraisal. Enotary instead of in-person.

No tax returns needed

W2, household income, or Plaid bank connection.

No prepayment penalty

Pay it off whenever. Zero fees ever.

Online vs. Assisted Process

Loans under $400,000 are fully online from application through enotary closing. Loans $400,000 and above include dedicated loan officer support. Both funded in as little as 5 days.

Side by side
HELOC vs Cash-Out Refi

The math most lenders do not want you to run.

Our HELOCCash-Out Refi
Touches first mortgage?✓ Never✗ Yes. New rate
Appraisal required?✓ No (AVM)✗ Yes
Time to fund✓ 1 to 5 business days✗ 30 to 60 days
Prepayment penalty✓ None✗ Varies
100% online✓ Under $400k✗ Often not
How it works
3 steps, funded in days
1

Check eligibility in 30 seconds

Answer a few questions from your phone or computer. Soft pull only. Zero impact to your credit score.

No hard pull. No obligation
2

Upload documents from your phone or computer

Mortgage statement and deed. Connect your bank via Plaid or upload statements. Everything is done online. No in person meetings required.

100% online. Under $400k fully self-serve
3

Esign and get funded

Enotary closes the loan wherever you are, whether online via video call or in person if preferred. Funds in as little as 5 days from approval.

As fast as 5 days
What clients say
Real results
★★★★★

"Had my money in less than a week. My 2.875% rate is still locked in and I did not have to meet anyone in person."

M.R. Homeowner in California
★★★★★

"The bank kept dragging their feet. This was completely different. Fast, clear, and my first mortgage was never touched."

J.T. Homeowner in Texas
★★★★★

"Approved in 24 hours, funded in 5 days. No appraisal, no wasted trips, no hassle."

S.K. Homeowner in Florida
Common questions
FAQs
No. This HELOC is a completely separate loan that sits behind your first mortgage. Your current rate, monthly payment, and loan terms are never touched.
For most loans, no appraisal is required. We use an Automated Valuation Model (AVM) which is fast, accurate, and completely online. An appraisal is only required for loan amounts over $400,000.
Yes, this process is fully digital from start to finish, including income verification, the AVM, and notarization via eNotary. A couple of things to keep in mind: depending on your specific state, eNotary may be switched to an in-person notary session, which typically takes 5 to 10 minutes and can take place at a location of your choice, including your home or a nearby coffee shop. For loan amounts over $400,000 a full appraisal may also be required.
Minimum 640 credit score. Sweet spot is 680 or higher. No late mortgage payments, bankruptcies, or foreclosures accepted. Collections and credit card debt may be acceptable. We review the full picture.
Eligible property types include:

• Single Family Home (primary or secondary residence)
• Investment Property (1 to 4 units maximum)
• Condo or Townhome

Properties such as co-ops, manufactured homes, commercial properties, and mixed-use buildings are not eligible.
We use your gross annual household income for qualification. You have three ways to verify it:

• Plaid (most popular) — connect your bank account instantly. About 95% of applicants choose this because it is the fastest and requires no documents.
• Paystub — upload a recent paystub or W2.
• Tax account connection — connect directly through your tax preparer account for automatic verification.

No tax returns are required. We also accept retirement, 401k, IRA, savings, and brokerage account statements.
Minimum loan amount is $25,000. You can borrow up to 80 to 90% CLTV (Combined Loan-to-Value) depending on your credit profile and state.

• Up to $400,000 — fully online, no appraisal required, funds in as little as 5 days.
• Up to $750,000 — available with a full appraisal.

Higher loan amounts may be available through different programs. Call us for more information.
There are no application fees, maintenance fees, or prepayment penalties. You will have a choice of origination fee structures ranging from 1.5% to 4.99%. The higher the fee you choose, the lower your interest rate, and vice versa. We will walk you through both options so you can choose what works best for your situation.

Recording fees and taxes may also apply depending on your county. Call us for a full fee breakdown specific to your loan.
No. You may pay back the loan at any time, in full or in part. There are zero prepayment penalties.
Yes. You receive a 0.25% rate discount for enrolling in autopay, which sets up automatic monthly payments from your connected checking account. An additional 0.15% discount is available for members of select partner credit unions.
A certified eNotary connects with you via a short audio-enabled video session. They confirm your identity using your ID and a set of knowledge-based authentication questions, then witness your electronic signatures. The entire session takes just a few minutes and can be completed from any device, anywhere.
Yes. Active hazard/homeowners insurance is required for all properties. If your property is in a FEMA flood zone A or V, flood insurance is also required. You may be asked to provide proof of coverage after closing.
We lend in: Alabama, Arizona, California, Colorado, Connecticut, Washington DC, Florida, Hawaii, Idaho, Maine*, Maryland, Michigan, Nebraska, New Hampshire*, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah*, Virginia, Washington, Wisconsin*, and Wyoming.

*These states are serviced by licensed team members. Your inquiry will be routed to the appropriate licensed loan officer for your state.

Your equity is sitting idle.
Put it to work without the regret.

Soft pull. No appraisal. As fast as 5 days

30 seconds. No commitment. Will not affect your credit score

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© 2026 A&A Mortgage Group INC, DBA The Loan Brief. All rights reserved. | NMLS# 2705406 | 23710 El Toro Road #1028, Lake Forest, CA 92630


West Capital Lending NMLS# 2705406 | 24 Executive Park, Ste. 250, Irvine, CA 92614 | (949) 393-0319 | [email protected]


This is not a commitment to lend. All loan approvals are subject to credit review, income verification, property valuation, and lender guidelines. Submitting an inquiry does not guarantee financing. Interest rates and program terms are subject to change without notice. HELOC products are available in select states only. A HELOC is a second-position lien; your existing first mortgage is not affected. The use of an automated valuation model (AVM) is subject to lender approval and may not be available in all circumstances.


By submitting your information, you acknowledge receipt of our Privacy Policy and Terms of Service. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties except as required to provide the SMS service. Message & data rates may apply. Reply STOP to opt out, HELP for help.


Equal Housing Lender. Licensed by the California Department of Financial Protection and Innovation. Information provided on this site is for general informational purposes only and does not constitute legal, financial, or tax advice.