Line of Credit
Fast access to equity through a digital-first process — for W-2 and self-employed borrowers, with up to 89.99% CLTV in qualifying scenarios.
Line of Credit Highlights
- Loan amounts from $25K – $500K
- Digital-first application and approval process
- No front-end DTI requirement
- Up to 80% – 89.99% CLTV available
- Minimum 640 FICO
- Options for W-2 and self-employed borrowers
- Automated income and asset verification
- Fixed-rate repayment terms available
* Not available in AK, HI, LA, MS, OK, TX, WV.
How Line of Credit works.
Our flexible Line of Credit program gives borrowers fast access to equity through a streamlined, digital-first process built for speed and convenience. Loan amounts range from $25,000 to $500,000, with no front-end DTI requirement, minimum FICO scores starting at 640, and up to 89.99% CLTV in select scenarios.
Designed for both W-2 and self-employed borrowers, the program utilizes automated income and asset verification to reduce paperwork and accelerate approvals. Whether consolidating debt, funding renovations, or leveraging equity for new opportunities, this solution delivers flexible financing without the hassle of a traditional fully documented second mortgage.
What you'll need to apply.
A short checklist to get your file moving. We'll let you know if anything additional is needed for your specific scenario.
General documents
- Valid government-issued photo ID
- 2 months most recent bank statements
- Entity documents: articles of incorporation, operating agreement, EIN letter, state certificate of good standing
- Insurance declaration page
If you're buying
- Signed purchase agreement
- Subject property lease (if tenant-occupied)
- Purchase agreement addendum and counter offers, if applicable
If you're refinancing
- Mortgage payoff request
- Subject property lease agreement
Ready to fund your next deal?
Submit a scenario or speak with an advisor — we'll have eyes on your deal within the hour.
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