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Updated September 2026
HELOC guide
Bring the statement. Leave the shoebox for later.
The first HELOC text needs a short list, not a document dump. Know the first-mortgage balance and rate, the cash you want, what it is for, and the property state. Have a guess at value and a credit range. Income path matters: tax returns, bank statements, or rent. We do not hard-pull credit on the qualify form. A real application comes after you say yes. If the state is not GA, FL, TN, AL, NC, or SC, stop and send a DSCR file instead.
Sending a file is not an approval and not a credit pull. We text the same business day. We do not call. If we can structure it, we name the door. If we cannot, we say so.
The screen
| Have this | Why |
|---|---|
| Mortgage statement | Balance, rate, and servicer |
| Cash amount | So we do not size a fantasy line |
| State | Six states or it is a no |
| Income path | Full doc, bank statements, or DSCR rent |
What we fund
- People who want the file to move the same day
- Self-employed owners picking bank statements on purpose
- Rental HELOCs that should be DSCR instead
What we still need. Short list.
- The first mortgage balance, rate, and whether it can stay.
- A value we can support, and the cash you actually want.
- The property state. HELOC is only GA, FL, TN, AL, NC, and SC.
- Income path: full doc, bank statements, or rent on a DSCR HELOC.
Questions
Do I upload tax returns on the form?
No. Tell us the numbers. Documents come when a lender file is actually open.
Will the checklist hit my credit?
No. The form is not a hard pull.
What if I do not know the rate on my first mortgage?
Look at the statement before you send. A wrong rate makes the keep-or-refinance choice wrong.
Related
These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.