Your equity, within reach.
A home equity line of credit with automated underwriting and no hard credit check to get started—a streamlined way to access the equity you've built, without refinancing the mortgage you already have.
Equity you can actually use.
If you've owned your home for a while—or watched values rise in recent years—you've likely built meaningful equity. A home equity line of credit lets you borrow against that equity as you need it, drawing only what you need, when you need it.
What sets this line apart is how quickly and cleanly you can get to it. Automated underwriting and a digital home valuation replace weeks of paperwork and waiting. You can see where you stand without a hard credit check, verify income by securely linking your bank instead of gathering documents, and move from application to funding without the usual back-and-forth.
And because it sits alongside your existing mortgage rather than replacing it, your first mortgage stays exactly as it is. For many homeowners, that makes a HELOC a more sensible path than a cash-out refinance.
Cohen Mortgage works with homeowners across Ohio, Kentucky, Indiana, Florida, and Colorado.
Built to be straightforward.
Fast where it should be fast, clear where it matters most.
A streamlined path to funding
Automated underwriting and a digital valuation cut out much of the paperwork and waiting that usually slow things down—so your application keeps moving. Timelines vary by application and aren't guaranteed.
No hard credit check to start
Getting started uses a soft credit inquiry that won't affect your score. A hard inquiry only happens later, once your application moves forward.
Income verified by linking your bank
Securely connect your bank accounts to verify income—no digging up pay stubs or long document checklists.
Primary, second, or investment
Eligible on your primary residence, a second home, or an investment property—helpful if you own more than one property.
Keep your first mortgage
Access your equity without touching the mortgage you already have. A measured alternative to a cash-out refinance.
Guidance the whole way
Fast technology, real advisors. You get a Cohen Mortgage advisor to walk you through your options—clearly, and without pressure.
What people use it for.
A line of credit is flexible by design. Homeowners commonly use it for renovations and repairs, consolidating higher-interest debt, a down payment on an investment property, tuition or a major planned expense, or simply keeping a flexible safety net in place. You draw what you need, when you need it, and we'll walk you through exactly how the line works once we review your situation.
Not sure whether it's the right move? That's a conversation worth having before you commit—and one we're glad to have with you.
HELOC questions.
See what your equity can do.
Applying takes just a few minutes, with no hard credit check to get started. If a HELOC is the right move, we'll help you move quickly. If it isn't, we'll tell you that too.