In today’s market, homeowners are looking for smarter ways to tap into their home equity—without the uncertainty of fluctuating interest rates. That’s where our Fixed-Rate HELOC (FIXLINE) stands out.
This unique loan product combines the convenience of a home equity line of credit with the predictability of a fixed interest rate. Whether your clients are managing large expenses, funding a renovation, or consolidating high-interest debt, FIXLINE offers a powerful financing solution.
Loan Amounts: $25,000 to $500,000
Combined Loan-to-Value (CLTV):
Primary Residences: Up to 90% CLTV for FICO ≥ 680
Second Homes: Up to 80% CLTV for FICO ≥ 740
Investment Properties: Up to 80% CLTV for FICO ≥ 740
Minimum Credit Score: 640
Debt-to-Income (DTI): Max 45%; up to 50% with strong compensating factors
Property Types: 1–4 unit homes, including condos
Occupancy: Owner-occupied, second homes, and investment properties
Ideal Use Cases: Debt consolidation, home improvements, large one-time expenses
Unlike traditional HELOCs with variable rates and draw periods, our FIXLINE locks in a fixed rate from day one. That means no payment surprises—just predictable monthly payments for the life of the loan.
It’s a fully amortizing line, so your clients are building equity every month while keeping their financial planning straightforward.
With a fully digital application and efficient underwriting, funding can happen in as little as 14–21 days. That speed and flexibility make FIXLINE a strong option for clients who need to act quickly on opportunities or manage time-sensitive needs.