Flexible Access to Your Home Equity
HELOCs with variable rates and interest-only options during the draw period.
Revolving credit
Interest-only draw
How a HELOC Works
💳
Draw period
Borrow, repay, and borrow again up to your limit.
📉
Variable rates
Rates can change with market conditions.
📆
Repayment period
Payments shift to principal + interest after draw.
HELOC vs Cash-Out
Pros
- Flexible revolving access
- Interest-only during draw
Cons
- Variable rates may rise
Estimate HELOC vs Cash-Out
Quick estimate of potential monthly payment difference. For illustration only; actual terms vary.
Estimated monthly payment
HELOC (draw)
$1933
Cash-out
$2155
Potential monthly difference: $222
Actual payments depend on program details, APR, MI, taxes, and insurance.
Choose your path
Remodeling
Tap equity as projects progress.
Emergency buffer
Keep a line available for unexpected needs.
Opportunistic
Use funds when timing is right and repay quickly.
Trusted by borrowers
Revolving access
Flexible uses
NMLS: 2530539
Equal Housing Lender
“The line gave us flexibility during our renovation.”
FAQs
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Submit your information and a VA loan specialist will contact you with a personalized savings report.