The fastest, simplest way to get your home equity line of credit (heloc)
A home equity line of credit from Ryan Bolton offers the flexibility you need.
Pre-Approval in 5 minutes.
Funding in as few as 5 days.
| Ryan Bolton HELOC | Traditional HELOC | |
| Pre- Approval Time | 5 – 10 Minutes | 30 – 45 Minutes |
| Days To Fund | As Few As 5 Days | 45 – 60 Days |
| Rate | Fixed | Variable |
| Minimum Loan Amount | $20k | $25k |
* Amount of HELOC determined by equity available in the property at the time of application.
low fixed rates
no upfront costs
fully digital app
up to $400,000
common HELOC questions
What is HEloc?
A home equity line of credit, or HELOC, lets you borrow against your home’s available equity. Click here to find out how much equity you have in your home.
What is required to start the heloc application process?
- Only one owner may apply for and sign for the loan through Synergy One Lending; however, additional owners on the title must sign the mortgage documentation.
- A minimum credit score of 640 is required. Applying won’t have an impact on your credit score. We pull what is called a soft inquiry. However, a hard inquiry will be pulled after selecting your rate and term, which could impact your credit score.
- During the application process, we’ll electronically verify your assets and income. Please prepare your login information for your bank accounts (for assets), your payroll service provider (for income), or your tax provider (for tax returns). Please be advised that while you can manually upload these documents, doing so will cause the process to take longer
- Identity verification is necessary so please have a valid, US-issued ID on hand, such as a driver’s license, state ID, passport, or permanent resident card, as identity verification is necessary.
how much can i borrow with heloc?
In most states, Synergy One Lending offers loans ranging from $20,000 to $400,000 with fixed terms of 5, 10, 15, and 30 years.
At the time of funding, you will get the full amount of the loan proceeds, less the origination fee.
can i get heloc if im self employed?
Yes, self-employed individuals can access the equity in their homes! One common use of HELOCs by self-employed people is for business purposes. During the application process, we’ll attempt to electronically verify your income and assets. Please have your login information for your bank accounts (for assets) and tax provider login (for income).