Your equity, within reach.
A home equity line of credit with automated underwriting and no hard credit check to get started—so you can access the equity you've built in as few as five days, 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 what you want and paying interest only on what you use.
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—for qualified applications—access funds in as few as five days.
And because it sits alongside your existing mortgage rather than replacing it, you keep the rate you already have. 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.
Funding in as few as 5 days
Automated underwriting and digital valuation move your application forward in days, not weeks—so the line is ready when you need it. 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—flexibility many lenders don't offer.
Keep your first mortgage
Access your equity without touching the mortgage—and the rate—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 only pay interest on the amount you actually use.
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.