Traditional home equity lending charges you before it pays you: a $500–$700 appraisal, application fees, title and recording charges, an annual fee forever after. This HELOC flips that — nothing due at closing, no appraisal fee (your home is valued digitally under $500K), and no annual fee. The costs that do exist — the interest rate and an origination fee — are shown to you upfront, in writing, before you commit to anything. No games, no 'ask your closer' surprises.
Drag the slider — checking costs nothing, in every sense. Check your rate as of .
Available as a flexible line of credit
Your best guess is fine — the digital valuation confirms value later, free.
Your best estimate is fine — it's confirmed later in the process.
This helps tailor your offer.
Start typing and select your address — we verify it instantly so your offer is accurate.
Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.
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Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.
"Free" is a marketing word. Here's the whole ledger, so nothing surprises you later.
The only money that moves at closing moves toward you.
About five minutes, soft credit pull, no SSN required. You'll see your rate and every cost of the line before committing to anything.
~5 minutesUnder $500K, a digital valuation prices your home from recorded sales and market data. No appraiser to schedule, no $500–$700 bill — the classic HELOC toll booth, removed.
$0 appraisaleSign with an online notary. Nothing is due at closing, there's no annual fee after, and funds arrive in as little as 3 days after approval.*
As fast as 3 days*The old model is backwards: pay $1,000+ in fees to access your own equity. If you had spare thousands lying around, you might not need the line. $0 due at closing fixes the order of operations.
Every 'no closing cost' HELOC has real costs somewhere — usually the rate or an origination fee. Ours are disclosed upfront, in writing, before you commit. What we've deleted is the out-of-pocket kind: appraisal, annual, application, and closing-day charges.
A $50–$100 annual fee quietly turns an idle credit line into a subscription. With no annual fee, keeping the line open as an emergency reserve genuinely costs nothing until you draw.
Soft pull, no SSN, no application fee — checking your rate is completely free and commits you to nothing. The worst case is you learn your number.
Where the money leaks out of a typical home equity closing — and doesn't here.
| Zero Closing Cost HELOCRECOMMENDED | Traditional HELOC | Cash-out refinance | |
|---|---|---|---|
| Due at closing, out of pocket | $0 | $500–$2,000+ | 2–5% of loan amount |
| Appraisal fee | $0 — digital under $500K | $500–$700 | $500–$700 |
| Annual fee | None | $50–$100 common | None |
| Application fee | None | Sometimes | Sometimes |
| Costs disclosed before commitment | Yes — in writing | At closing table | Loan estimate stage |
| Rate check without SSN | Yes — soft pull | No | No |
| Typical time to funding | As little as 3 days* | 2–6 weeks | 30–45 days |
Check your rate in ~5 minutes — free, soft pull, no SSN, and $0 out of pocket if you proceed.
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