Loan Options • Fast HELOC
Fast HELOC: tap your home equity
Turn your home equity into cash, as fast as 5 business days for eligible applicants, without touching your current mortgage.
★★★★★ 5.0 on Google from 160+ clients | Company NMLS #1835856
At a glance
- Keep your current first mortgage and rate
- Check your options with a soft credit inquiry
- Lines up to $400,000 typically use an automated valuation instead of an appraisal
- Simple online application with a licensed local loan officer
Talk with a licensed loan officer
Is it right for you?
Who it’s for
A HELOC can help you pay for home improvements, consolidate higher-interest debt or cover big expenses while keeping the low rate on your first mortgage.
Good to know
- “As fast as 5 business days” and no appraisal describe eligible scenarios only. Not every applicant or property will qualify.
- Larger lines require a full appraisal.
- A HELOC is secured by your home. Failure to make payments can result in the loss of your home.
How it works
- Talk with usA quick, no-pressure call about your goals and budget.
- Apply onlineA secure application you can finish in minutes.
- Review your optionsClear numbers side by side so you can choose with confidence.
- CloseRegular updates from approval to the closing table.
FAQs
Common questions
Is a HELOC different from refinancing my mortgage?
Yes. A home equity line of credit (HELOC) is a separate line of credit secured by your home's equity — your existing mortgage stays as-is. It's often faster to set up than a full refinance.
What does "as fast as 5 business days" mean?
Some eligible applicants can move from application to funding in as little as 5 business days. Actual timing depends on your file, documentation, state requirements, and program eligibility — your loan officer will give you a specific estimate.
Why wouldn't I need an appraisal?
Lines up to $400,000 typically use an automated home valuation instead of an in-person appraisal, which helps speed up the process. Larger lines require a full appraisal, and not every property will qualify.
Does checking my options affect my credit?
No. Checking your options uses a soft credit inquiry, which doesn't affect your credit score. A hard inquiry happens only if you accept an offer and move forward.
What states do you lend in?
FLO Mortgage and Joy McCoy Flores are currently licensed in Florida, Georgia, Tennessee, North Carolina, Texas, and Michigan.
This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property eligibility and program availability. Not all applicants will qualify. Terms and programs may change without notice. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity. Licensing & Disclosures.
Ready to see your numbers?
Answer a few quick questions and a local loan officer will follow up with your options.