Start Your Renovation in Days, Not Months.
Turn your home’s equity into your project budget at a low fixed rate, with funds in as little as 3 days, and $0 out of pocket.
After
Before
Fast Funding
Get your funds in as little as 3 days after you sign.
Low Fixed Rate
Lock in a fixed rate on a 10, 15, 20, or 30-year term.
No Appraisal
No appraisal needed on lines up to $400K, saving you money and time.
100% Online
Apply in minutes and sign online from home.
How much can you put toward your project?
Answer four quick questions for an instant estimate. No personal info, no credit check.
Estimate only, based on general program guidelines. Not an offer or commitment to lend. Your actual line amount depends on credit approval, income, an automated property valuation, property eligibility, and other factors.
Check your offer
Takes minutes, with no impact to your credit score.
Sign online
Close with an online notary from your couch.
Start your project
Funds arrive days after the 3‑day rescission period, so your project can get started.
Homeowner protection guarantee
Foreclosure Protection Guarantee covers you for up to a year if you lose your job.2
Pay off debt too
Use the same line to pay off high-interest credit cards and personal loans.
No fees to draw again
The draw fee applies to your first draw only. Draw again later at no added fee.
No prepayment penalty
Pay it down or pay it off early, penalty-free.
“I had awesome personal, step by step assistance throughout the whole HELOC process...I received great loan terms and all was executed in a smooth, timely manner.”
Questions homeowners ask
Will checking my offer affect my credit?
No. Checking your offer doesn’t affect your credit score. A hard credit pull happens only when you choose to finalize.
What do I need to apply?
Just your driver’s license and your online banking login, which lets you securely link your bank account. Most people finish in minutes.
How fast can I get the money?
Funds can be available in as little as 3 days after you sign, once the federally required 3-day rescission period ends.
Are there fees?
Yes, a one-time draw fee. It’s added to your loan amount, so you pay $0 out of pocket at closing. There’s no prepayment penalty.
Do I need an appraisal or an in-person closing?
Not for lines up to $400,000. Those use an automated home valuation instead. Lines over $400,000 require a full appraisal. Either way, you sign from home with an online notary.
Is my rate fixed?
Yes. Your initial draw has a fixed rate, with your choice of a 10, 15, 20, or 30-year term. Any later draws are priced at the time you take them.
What if my project costs more than planned?
You can draw again during your 5-year draw period with no added draw fee, so a change order doesn’t mean a new loan.
What kinds of homes qualify?
Single-family homes, condos, townhomes, PUDs, and 2–4 unit properties. Primary homes need a 620+ credit score; rentals and second homes need 680+.
Can I use it for more than a renovation?
Yes. You can use the same line to pay off high-interest credit cards and personal loans.
How much can I borrow?
From $5,000 up to $1,000,000. Lines up to $400,000 need no appraisal; larger lines require a full appraisal and a 760+ credit score, and aren’t available in all states. Your amount depends on your home’s value, what you owe, and your credit. Try the estimator above for a quick idea.
Request a time with a top loan officer
Robert Lucido · NMLS #2549484
1 The HELOC Lower Rate Guarantee promotion is sponsored by Aven Financial, Inc. Aven is the sole sponsor of the Promotion. Offer is subject to verification; restrictions apply. For full terms and conditions: https://www.aven.com/public/docs/HelocGuaranteedLowestCost/post2026JulAvenCashDigital
2 The Foreclosure Protection Guarantee covers enrolled accounts with no more than $10,000 in aggregate outstanding balances at the time of the claim for up to a year if you lose your job. 700+ credit score required. Terms and conditions apply; see https://www.aven.com/public/docs/GuaranteedProtection. Enroll during account opening.
Moxie Mortgage NMLS #1660690 · Equal Housing Lender · Your home is used as collateral for this line of credit. All loans subject to credit approval and property eligibility. Not a commitment to lend. Rates, terms, and availability subject to change. Contact Moxie Mortgage for more information.
