California equity has been growing.
Use it without losing Prop 13.
Tap up to $1,000,000 from your CA home in as little as 5 days — without refinancing, without resetting your basis, without touching your low mortgage rate.
Soft credit check · 3 minutes · No obligation
Keep your Prop 13 rate
A HELOC doesn’t replace your first mortgage. Your Prop 13 basis and your sub-4% rate stay exactly as they are.
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
Under 80%
Most CA programs accept up to 80% 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 refi. No giving up the rate you locked in.
Soft credit check · 3 minutes · No obligation
Equal Housing Lender · NMLS #2170233