Access Your Equity
Without Touching Your
Low Mortgage Rate

Funded in as little as 5 days

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

*NOT for: borrowers with late mortgage payments, bankruptcies, foreclosures, or credit scores below 640.
No Refi
Keep your rate
No Appraisal
AVM only
Soft Pull
To start
5 Days
To funding
Enotary
100% online
No Penalty
Pay off anytime

Check Your Eligibility

30 seconds  ·  Soft pull  ·  No obligation

Step 1 of 5
What type of property do you have?
Single Family Home
Condo / Townhome
Multi-family (1 to 4 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
Why are you 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 this form, you expressly consent to be contacted by The Loan Brief (NMLS# 2705406) and its authorized partners, affiliates, and licensed loan officers regarding mortgage products and related services, including via telephone, text message, and email, even if you are on a Do Not Call registry. Your information may be shared with licensed mortgage professionals who may assist with your inquiry. Message and data rates may apply. Consent is not a condition of receiving services. You may opt out at any time by replying STOP to any text message. See our Privacy Policy and Terms of Use. NMLS Consumer Access: nmlsconsumeraccess.org.

Thank you — next steps

We're reviewing your information now. A licensed loan specialist will contact you shortly. Please answer your phone or reply to our text when we reach out.

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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
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

The Loan Brief
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NMLS# 2705406 | West Capital Lending | A&A Mortgage Group INC
Licensed states: AL, AZ, CA, CO, CT, DC, FL, HI, ID, ME*, MD, MI, NE, NH*, ND, OH, OK, OR, PA, RI, TN, TX, UT*, VA, WA, WI*, WY. *These states serviced by licensed team members.

This is not a commitment to lend. All loans subject to credit and property approval. Rates and terms subject to change without notice. Not all applicants will qualify. Loans under $400,000 are processed through a fully online platform. Loans $400,000 and above require manual underwriting and loan officer support.

By submitting your information you authorize The Loan Brief and its authorized partners to contact you regarding mortgage products. Your information may be shared with licensed mortgage professionals. This site is not affiliated with any government agency. NMLS Consumer Access: nmlsconsumeraccess.org