Get a Lightning Fast HELOC in Days, Not WeeksTap Into Your Home Equity in Minutes
Unlock up to $750,000 of your home's equity with lightning-fast approval. No appraisal. Funds in as few as 5 days.
Your Equity Potential
$750K
Maximum Available Credit
$750K
Max Credit
5 min
Approval Time
5 days
To Funding
600+
Min FICO Score
Why Choose Us
Why Choose Lightning Fast HELOC?
Every aspect of our HELOC is engineered to remove friction and deliver your equity faster than anyone else.
Fixed Rates
Your interest rate stays locked until you pay off the draw. No surprises, no variable anxiety.
Funds in 5 Days
From approval to cash-in-hand in as few as 5 business days through our remote online notary.
Borrow up to $750K
Access up to $750,000 of your home equity with a one-time origination fee. No hidden costs.
Apply Online
Complete your application with minimal documentation. No in-person appraisal required.
Equity Calculator
Calculate Your Available Home Equity
Slide to estimate how much equity you can unlock. It takes seconds.
Property Type
Estimated Available Credit
$250K
Up to 90% CLTV · Max $750K
Est. Monthly Payment
$1,833
7.99% fixed rate · 30-yr amortization
Soft credit check only — won't affect your score
Important Licensing & Rate Disclosure: Advertised Fixed-Rate Home Equity Line of Credit (HELOC) terms are based on a 30-year amortization schedule (360 monthly payments), an estimated 760 credit score, and a 4.99% origination fee. For a primary residence, the fixed rate is 7.99% with an Annual Percentage Rate (APR) of 8.54%. For an investment property or 2nd home, the fixed rate is 8.99% with an APR of 9.56%. Credit card payment estimates assume a 21% average APR and a 3% minimum payment, for illustrative purposes only; actual terms vary by issuer. All rates, fees, and terms are subject to change without notice and are subject to final underwriting approval. This is an advertisement and does not constitute a commitment to lend; not everyone will qualify. Please consult with a licensed mortgage professional to obtain a customized quote for your specific situation. NEXA Lending, LLC is an Equal Housing Lender. Corporate Address: 5559 S Sossaman Rd, Bldg 1, Ste 101, Mesa, AZ 85212. Company NMLS #1660690. Loan Officer: Antonio Acosta, NMLS #1662255.
The Process
How Our Fast Approval Process Works
From application to funding — a friction-free, high-velocity path to your home's untapped value. Three simple steps stand between you and your equity.
3-Minute Online Application
Complete a simple, secure online application in about three minutes. Answer a few questions about your home and finances — no paperwork, no office visits, no hassle.
Automated Instant Approval
We run a soft credit check that never impacts your score and evaluate your home equity instantly. Get pre-qualified with transparent, fixed-rate offers in real time.
Access Your Funds Fast
Close remotely with our online notary and access your funds in as few as 5 days. Draw on your line of credit whenever you need it — for renovations, debt payoff, or anything else.
Compare Your Options
HELOC vs. Cash-Out Refinance vs. Personal Loan
Not every borrowing option is created equal. Here's how a home equity line of credit stacks up against the alternatives so you can choose with confidence.
| Feature | HELOCRecommended | Cash-Out Refinance | Personal Loan |
|---|---|---|---|
| Interest Rates | Low variable or fixed rates tied to home equity | Often higher than your current first mortgage rate | Highest — unsecured, typically 10%–36% APR |
| Approval Time | As few as 5 days | 3–6 weeks (full mortgage underwriting) | 1–7 days |
| Closing Costs | Low — many lenders cover most costs | High — full closing costs like a new mortgage (2%–5%) | None to minimal origination fees |
| Flexibility | High — borrow, repay, and re-borrow on demand during the draw period | Low — single lump-sum disbursement | Medium — fixed lump sum with set repayment |
| Risk to Home | Secured by your home — responsible borrowing required | Secured by your home — replaces your existing mortgage | Unsecured — your home is not at risk |
| Tax Deductibility | Interest may be deductible if used for home improvements (consult a tax advisor) | Interest may be deductible if used for home improvements | Interest is generally not tax-deductible |
Comparisons are illustrative and based on typical industry terms. Actual rates, costs, and terms vary by lender, credit profile, and loan specifics. Consult a licensed mortgage professional for a personalized quote.
Qualification
HELOC Requirements & Qualification Criteria
Understanding the basics of HELOC qualification helps you prepare and improves your odds of approval. Here's what lenders typically look for.
Credit Score Standards
A minimum credit score of 600 is required for our flagship Figure HELOC, while the NFTY digital platform requires 640 and the HELOC Card requires 620. Higher scores unlock the most competitive fixed rates. We start with a soft credit pull, so checking your eligibility never affects your score.
Home Equity Percentage
You generally need at least 15%–20% equity remaining in your home after accounting for your current mortgage balance. For a primary residence, you can borrow up to 90% combined loan-to-value (CLTV); second homes and investment properties cap at 70% CLTV. Maximum credit lines reach $750,000.
Income Verification
Lenders verify that you have sufficient, stable income to repay what you borrow. We accept W-2 employment, self-employment income, and other verifiable sources. Documentation is collected digitally after you accept an offer — no upfront paperwork to get pre-qualified.
Debt-to-Income (DTI) Ratio
Most HELOC programs look for a debt-to-income ratio below 43%–50%, including your existing mortgage payments and the new HELOC. A lower DTI signals stronger repayment capacity and can improve the terms you are offered. Use our calculator to estimate where you stand.
Your Advantages
Designed for You
We've stripped away the complexity of traditional lending. Here's what you get when you choose Lightning Fast HELOC.
Possibilities
Fuel Your Ambitions
Your home equity is a powerful engine. Here's where you can channel it.
Home Renovations
Debt Consolidation
Education
Emergency Fund
Business Investment
Real Estate
Travel
Medical Expenses
Vehicle Purchase
Repairs
Choose Your Path
Find Your Perfect HELOC
Multiple HELOC options to match every borrower's needs and preferences.
| Feature | Figure HELOC | NFTY HELOC | HELOC Card |
|---|---|---|---|
| Credit Line Range | $25K – $750K | $10K – $750K | $5K – $400K |
| Min. Credit Score | 600 | 640 | 620 |
| Funding Speed | 5 Days | 5 Days | 5 Days |
| Application | Online | 100% Digital | Online |
| Credit Check | Soft Pull | Soft Pull | Soft Pull |
| Appraisal | Not Required | Not Required | Not Required |
NEXA Figure HELOC
Primary Product
Industry-leading HELOC with credit lines from $25K to $750K. Get pre-qualified in 5 minutes with a soft credit check.
- Credit lines from $25K to $750K
- Minimum credit score of 600
- Funds in as few as 5 days
- Soft credit pull upfront
- No appraisal required
NEXA NFTY HELOC
Powered by NFTYDoor
Complete your HELOC application 100% online with credit lines from $10K to $750K. No obligation, no hard credit pull until you accept your offer.
- Credit lines from $10K to $750K
- Minimum credit score of 640
- Funds in as few as 5 days
- Soft credit pull upfront
- 100% digital application
NEXA HELOC Card
Home Equity Line of Credit
Access your home equity through a convenient credit card with credit lines from $5K to $400K. Competitive home equity rates with card flexibility.
- Credit lines from $5K to $400K
- Minimum credit score of 620
- Funds in as few as 5 days
- Soft credit pull upfront
- Credit card convenience
Social Proof
What Our Borrowers Say
Real homeowners who unlocked their equity and changed their financial picture. Verified borrower testimonials.
4.9/5 Average Rating
Verified Borrowers
98% Satisfaction
Based on Post-Funding Surveys
No Hard Credit Pull
To Pre-Qualify
Licensed Lender
NMLS #1660690
"I was skeptical at first, but the process was shockingly fast. Pre-qualified in 5 minutes, funds in my account 5 days later. Used it to fully renovate my kitchen — total game changer for our family."
Maria T.
Austin, TX
Amount
$85,000
Used For
Kitchen Renovation
"I paid off three high-interest credit cards with one HELOC and cut my monthly interest by more than half. The fixed rate gave me peace of mind and a clear payoff path. Highly recommend."
David R.
Denver, CO
Amount
$120,000
Used For
Debt Consolidation
"We added a bedroom and bathroom for our growing family. No appraisal, no office visits, everything online. The team was responsive and the funds came through exactly when promised."
Jennifer & Mark L.
Phoenix, AZ
Amount
$60,000
Used For
Home Addition
"As a real estate investor, speed matters. Lightning Fast HELOC delivered. Soft credit check, transparent terms, and money in days — not weeks. This is now my go-to for equity access."
Robert K.
Charlotte, NC
Amount
$45,000
Used For
Investment Property
FAQ
Frequently Asked Questions About Home Equity Lines of Credit
Everything you need to know about HELOCs, from draw periods and rates to tax deductibility and fees.
Get Started
Ready to Unlock Your Equity?
Speak with a Licensed Loan Officer or start your application online. Pre-qualify in just 5 minutes with a soft credit check.