HELOC & Home Equity Loans
Home equity financing lets qualified homeowners access built-up equity through a HELOC or closed-end home equity loan, in first or second lien position.
Homeowners with equity — including primary, second-home, and investment properties
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Program at a Glance
- Down Payment
- N/A — equity-based
- Credit Score
- Varies by lender & program
- Occupancy
- Primary, 2nd home, or investment (varies)
- Term
- Revolving + draw/repayment periods
- Property Type
- Owner-occupied or investment residential (varies)
Key Program Highlights & Advantages
HELOC (revolving line) or closed-end home equity loan
First-lien or second-lien — keep your existing first mortgage in place
Funds for renovations, debt consolidation, or other permitted uses
May be available for primary residences, second homes, and investment properties
General Qualification Standards
Compare Similar Programs
| Program | Down Payment | Credit Score | Occupancy | Term |
|---|---|---|---|---|
| HELOC & Home Equity Loans | N/A — equity-based | Varies by lender & program | Primary, 2nd home, or investment (varies) | Revolving + draw/repayment periods |
| Bridge Loans | Equity-based | Varies (often 640+) | Current home / new purchase | Short-term (≈ 6–12 mo) |
| Reverse Mortgage (HECM) | Equity-based (payoff + proceeds) | Financial assessment | Primary residence (62+) | No required monthly payment |
Figures shown are typical ranges and vary by lender, program, and borrower profile.
Rates, terms, and program availability are subject to change without notice and depend on borrower qualification and underwriting approval. This is not a commitment to lend. Contact Oakley Pike for current program guidelines.
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