Digital HELOC · Fast Funding

Low-rate HELOC in 3 days. No appraisal required.

Apply in 3 minutes. Pay off cards, fund a renovation, or handle anything that needs handling — without touching your low-rate first mortgage.

Get Pre-Qualified
Soft credit check · won't affect your score
Melissa Davis
Melissa Davis · Your Equity Specialist
★ What You Get

Eight reasons why THIS is different...

01

Funded in as little as 3 days

From application to money in your account — days, not months.

02

Apply in 3 minutes

Get your answer right on the screen. No call-back required. See what you're approved for almost instantly.

03

Low-rate HELOC

Built to beat the high-rate trap most homeowners are stuck in.

04

Fixed-rate options

Know exactly what you'll pay every month. No surprises.

05

Choose your terms

Slide your own rate-and-cost combo before you commit.

06

Fast qualifying

Soft credit check only. Won't affect your score.

07

No appraisal

Automated valuation. Nobody walks through your house.

08

$5k – $400k lines

Sized to your equity. Borrow exactly what you need.

★ See If You Qualify
How much do you need?
$50,000
$5,000$400,000
Apply for $50,000
See your actual rate and terms in about 3 minutes
The Squeeze

You did the smart thing. Then inflation showed up.

You locked in a low mortgage rate when rates were down. Maybe even something starting with a 2 or 3. That mortgage is one of the best financial decisions you'll ever make — and you should never give it up.

But underneath that good decision, something else is happening. Credit card balances are climbing. Cards are charging 22 to 29 percent. The kitchen remodel that cost $40,000 a few years ago now costs far more. Inflation isn't just hitting the grocery bill — it's squeezing the whole household.

Most people don't realize there's a way out that doesn't require giving up the low rate they fought to get.

For a long time, the only real answer was a cash-out refinance — which meant trading your low first-mortgage rate for today's. That math has stopped working for almost everybody. So homeowners just sit there, watching the balances climb, feeling stuck.

Here's the thing They're not stuck. They just don't know about the second door.
The Second Door

Tap your equity. Keep your mortgage.

There's a home equity product available right now that does something a lot of homeowners don't know about. It sits behind your existing mortgage — so your low first mortgage stays exactly where it is, untouched — and it uses smart underwriting plus an automated home valuation to fund in days instead of months.

If you're carrying $40,000 or more in credit card debt at 24 percent, the math on cutting that rate — at a fixed payment you can actually plan around — is the kind of move that changes a family's whole financial trajectory.

How It Works

Four steps. About three minutes to start.

Step 01 — Apply

3-minute application

Soft credit check only. You'll see your line amount and rate options right on the screen, lightning fast.

Step 02 — Choose

Pick your terms

Choose the fee-and-rate combination that works best for you. See every number before you commit.

Step 03 — Fund

Funded in days

Modern underwriting, automated valuation, electronic closing. No appraiser at your door.

Step 04 — Use it

Get to work

Pay off the credit cards. Fund the renovation. Handle what needs handling.

Melissa Davis
Melissa Davis
A Note From Melissa

Why I wanted you to see this.

I do this work because I genuinely love helping people feel less overwhelmed about their money. So many homeowners don't realize there's a way to tap the equity in their home without giving up the low mortgage rate they already have.

This is one of those rare products I'm truly excited about. It's fast, there's no appraiser coming through your house, and it can turn high-interest debt into one manageable payment.

Whether you're a first-time buyer, looking into a reverse mortgage, or just want a smarter option, I'll talk you through it in plain English. No pressure, ever.

If it's a fit for you, I'd be honored to help.

Melissa Davis
Senior Loan Officer · TruePartner
NMLS #2178639
Common Questions

The questions everyone asks first.

Do I need an appraisal?
No. The valuation is done through an Automated Valuation Model that uses public records, recent neighborhood sales, and tax assessments. No one walks through your house.
Will this affect my first mortgage?
No. This is a second lien that sits behind your existing mortgage. Your first mortgage stays exactly where it is — same rate, same payment, same terms.
How fast can I get funded?
Most files fund within days of application, depending on documentation and any required title work. Compared to a traditional bank HELOC that can take 45 to 60 days, this is a different category of speed.
What's the minimum credit score?
620 FICO. Higher scores qualify for higher line amounts and better terms.
How much can I borrow?
From $5,000 up to $400,000, depending on your equity, credit profile, and income. The exact line amount is calculated and shown to you during the application — before you commit to anything.
What if I don't qualify?
The initial check is a soft credit pull and doesn't affect your credit score. If you don't qualify, you're not out anything — and we can talk about other options that might fit better.
Which states is this available in?
We're licensed in Utah, Idaho, Texas, and Florida, and HELOC program availability can vary by state. Reach out and we'll confirm what's available where you are.
Not Ready Yet?

Get the free guide.

A short, plain-English breakdown of how homeowners are using home equity right now to pay off credit cards and fund renovations — without giving up the low-rate mortgage they fought to get.

★ See Your Numbers

Ready to see your numbers?

Three minutes. Soft credit check only. No appraiser, no commitment, no pressure — until you've seen exactly what your rate, payment, and line amount would look like.

Start My Application
Or call Melissa directly: 801-358-0724
Get Pre-Qualified →