MyExpressHELOC™
Unlock equity in days.
⚡ Fast • 💻 Digital • 🧪 Soft Pull
Tap Into Your Home Equity — Fast
Keep your low mortgage rate. Borrow only what you need. All-digital experience.
- No appraisal needed on loans ≤ $400,000
- Soft pull to check eligibility (Experian FICO 9)
- Approval & funding in days
Loan amount eligibility varies by property and location.
Program Snapshot
Max Loan: up to $750,000
No appraisal ≤ $400k (loan amount)
Min FICO: 600 (680 Investment Properties)
Property: SFR, Townhouse, PUD, most Condos
States: TX, CA, FL, CO, GA, WA, IL, NC, VA, NV
Need to check your credit first?
Check Your CreditHow It Works
| 1) Check eligibility Soft pull — see options without impacting your score. |
| 2) Approval in days Digital verification keeps the process moving fast. |
| 3) Access funds as needed Borrow what you need, when you need it. |
Why a HELOC (Not a Refi)?
- Keep your ultra-low first mortgage rate
- Flexible draw: pay interest only on what you use
- Use for renovations, debt payoff, emergency repairs, tuition and more
Eligibility & Criteria
Credit Score
Minimum 600 (680 for investment properties)
Minimum 600 (680 for investment properties)
Loan Amount
Up to $750,000
Up to $750,000
Appraisal
Not required on loans ≤ $400,000 (AVM/BPO may be used)
Not required on loans ≤ $400,000 (AVM/BPO may be used)
Property Types
Single-family, Townhomes, PUDs, most Condos
Single-family, Townhomes, PUDs, most Condos
States
TX, CA, FL, CO, GA, WA, IL, NC, VA, NV
TX, CA, FL, CO, GA, WA, IL, NC, VA, NV
Occupancy
Primary & second homes (no DSCR at this time)
Primary & second homes (no DSCR at this time)
FAQ
No. Checking eligibility uses a soft pull (Experian FICO 9), which does not impact your score.
Not for loan amounts at or below $400,000. We use instant valuation tools (AVM) or a BPO. If you prefer, you may order a full appraisal.
Many approvals complete in days, and access to funds is typically fast once final conditions are satisfied.
Home improvements, debt consolidation, emergency repairs, tuition and more. It’s flexible — you borrow only what you need.
No. Your first mortgage remains in place. A HELOC is a separate line of credit secured by your home equity.
Single-family residences, townhomes, PUDs and most condos. Investment properties require 680+ credit. No DSCR HELOC at this time.
Request a Call
Prefer a quick conversation? Send your info and I’ll reach out.
Need help with credit? Explore credit improvement resources.
Your Loan Expert
Matthew Brown
Loan Factory, Inc.
NMLS #1254250 | CO-NMLS #320841
Phone: (512) 952-1125
Email: matthew.brown@loanfactory.com
Licensing & States
Authorized in: TX, CA, FL, CO, GA, WA, IL, NC, VA, NV
Program details subject to change. Terms, conditions and eligibility apply. Equal Housing Lender.