California equity has been growing.
Use it—and keep your current low mortgage rate.
Tap up to $1,000,000 from your CA home in as little as 5 days. A HELOC sits beside your current mortgage—not in place of it—so you add a line of credit without refinancing, replacing your loan, or giving up the rate you already have.
Soft credit check · 3 minutes · No obligation
Keep your first mortgage—and your rate
A HELOC is a separate lien; it doesn’t pay off or replace your first mortgage. Your existing payment and the low rate you locked in stay right where they are—you’re just adding access to equity on the side.
Funded in as little as 5 days
Most CA lenders take 30–45 days. We close in 5 — perfect for ADU builds, renovations, or moving fast on opportunities.
Real human, not a call center
A dedicated California-licensed advocate. We shop 100+ lenders so you don’t have to call ten of them yourself.
California qualifier
You're a fit if you have…
Credit
620+ FICO
Estimated is fine — no hard pull yet
Line size
$25K – $1M
Draw for ADUs, renovations, debt payoff, or anything else
Combined LTV
Up to 89.99%
Most CA programs accept up to 89.99% CLTV
Property
CA homeowner
Primary, second home, or investment — we have programs for each
Soft credit check · 3 minutes · No obligation
“The whole team is amazing. Extremely knowledgeable and hardworking. We used them for our original home purchase and now our refinance. We hit a bit of a personal snag in the middle of the process, but Tacy didn’t miss a beat. She was amazing.”
— Dan R., Frendly homeowner
Your California equity is just sitting there.
Three minutes to see your number. No hard pull. No refinancing your first mortgage—keep the rate you already have.
Soft credit check · 3 minutes · No obligation
Equal Housing Lender · NMLS #2170233