Your home is likely the largest asset you own, and if you've been paying down a mortgage or watching values rise, you've probably built real equity along the way. The question most homeowners run into isn't whether to use that equity—it's whether getting to it is worth the hassle. We built our new home equity line of credit (HELOC) to make the answer a simple yes.
Funding in as few as 5 days
Traditional home equity products can take weeks. Ours uses automated underwriting and a digital home valuation to move your application forward in days. For qualified applications, funding can happen in as few as five days after approval, so when a project or opportunity comes up, your line can be ready when you are. Timelines vary by application and aren't guaranteed.
No hard credit check to get started
One of the more frustrating parts of shopping for financing is that "just looking" often means a hard credit inquiry and a ding to your score. Getting started with our HELOC uses a soft credit pull that has no impact on your credit, so you can explore your options before anything affects your score. A hard inquiry only happens later, once your application moves forward.
Link your bank instead of chasing paperwork
Rather than gathering months of pay stubs and statements, you can securely connect your bank accounts to verify income during the application. It's faster for you and keeps the process moving.
Available on more than your primary home
Many lenders limit home equity lines to a primary residence. Ours is available on primary residences, second homes, and investment properties—useful if you own more than one property or are building a small real estate portfolio.
Keep the mortgage you already have
If you locked in a low mortgage rate, you don't have to give it up to access your equity. A HELOC sits alongside your existing mortgage rather than replacing it—no refinance, no resetting your rate. You draw what you need, when you need it, and pay interest only on the amount you use. Common uses include home renovations, consolidating higher-interest debt, a down payment on an investment property, tuition or a major planned expense, or simply a flexible safety net.
Fast technology, real guidance
Speed is only half the story. The other half is having someone who knows your situation. When you work with Cohen Mortgage, you get a dedicated advisor to walk you through your options clearly and without pressure. Understanding first—that's how we do it.
Ready to see what your equity can do?
Applying takes just a few minutes, with no hard credit check to get started. If it's a fit, great. If it isn't the right move right now, you'll know that too. Learn more on our HELOC page, or start your application whenever you're ready.