100% online application
Get started online, with Marc available to help you along the way.
HOME EQUITY, MADE SIMPLE.
Access your equity.
Keep your first mortgage.
Put your home’s equity to work for debt consolidation, renovations, or what comes next—with personal guidance from Marc and a simple online application.
Novi-based. Serving Michigan, Florida & Texas.
MORE PROPERTIES. MORE POSSIBILITIES.
Primary homes. Second homes.
Investment properties.
HELOC options for eligible single-family homes, 2–4 unit properties, townhomes, and non-high-rise condos. Credit lines from $5,000 to $1 million, depending on eligibility.
LESS FRICTION. PERSONAL SUPPORT.
A simpler way to access equity.
Approval in as fast as 15 minutes
For eligible applicants. Timing varies; approval is different from closing and funding.
No appraisal required
Proceed without an appraisal when the automated property value is accepted.
No extra income paperwork*
When income is successfully verified electronically. Additional documents may be required.
A RECENT CLIENT EXPERIENCE
Two lenders said no.
We found another path.
A client needed to consolidate $159,000 in debt while keeping his first mortgage in place. We used bank statements to verify his income and completed application, approval, and closing in one day.
Bank statements can be an additional option for eligible borrowers, alongside traditional and electronic income verification. You do not need to be self-employed to explore a HELOC.
Actual client experience. Results and timing vary. Same-day closing does not mean same-day funding.
CLEAR ANSWERS
A few things to know.
Will this replace my existing mortgage?
A second-lien HELOC lets you access available equity while keeping your existing first mortgage and its rate in place. You will have a separate repayment obligation for the HELOC.
How is income verified?
Income may be verified electronically. Traditional documentation or alternative verification, including bank statements, may be available depending on your situation and lender requirements. Additional documents may be requested.
Will checking my offer affect my credit?
The initial offer uses a soft credit check. A hard credit inquiry occurs later in the process if you proceed.
How much can I borrow?
Available lines range from $5,000 to $1 million. Your approved amount depends on credit, income, property value, existing liens, occupancy, and program requirements. Higher line amounts have additional requirements.
YOUR NEXT STEP
See what your equity could do.
Apply online or call Marc at (248) 830-7942 to talk through your options.
Apply for a HELOC ↗The application opens in our lending partner’s secure portal.
All loans subject to eligibility, credit and property approval, and underwriting. Terms and availability may change. Property types, line limits, and verification options vary by program and occupancy. A HELOC is secured by your home. Consolidating debt does not eliminate it and may increase total repayment costs. *Additional documentation may be required if electronic verification is incomplete.