Updated September 2026
Soft pull
See HELOC options without a hard pull.
The qualify form asks for a credit band, not a Social Security number. Sending it does not pull credit and does not create an application. We text the HELOC options. We do not call. A hard pull happens later, only with your consent, if the file moves toward funding. A quote is not an approval. Combined leverage on a HELOC is often 80 to 85%, the first mortgage stays, and the rate is Prime plus a margin disclosed before you sign. HELOC only in GA, FL, TN, AL, NC, SC.
The screen
| Step | What happens |
|---|---|
| Qualify form | No hard pull. No SSN |
| Our reply | A text. Not a call |
| Later application | Hard pull only with consent |
| Line | Draw what you need. Interest on what you use |
What we fund
- Owners who refuse a random hard pull
- HELOC and DSCR scenarios in one text
- People comparing a line to a cash-out
What we still need. Short list.
- Name, mobile, email, and the property state
- A credit band, not a score promise
- Enough equity to talk about a line
Questions
Does this affect my credit score?
Sending the scenario does not. A later hard pull can, and only if you agree.
Is the soft pull an approval?
No. It is not a commitment to lend.
Which HELOC should I ask about?
Bank-statement if you are self-employed. DSCR HELOC if the rent should qualify the line.
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.