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Unlock Your Home's Equity with Confidence

Flexible lines of credit to suit your financial needs.

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Home Equity Lines of Credit (HELOC)

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Home Equity Loans (HELOAN)

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Credit lines from $25k to $2 million

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Lenders in all 50 states available

About Doctor HELOC

Doctor HELOC is a trusted mortgage loan consultant that facilitates the process to obtain a Home Equity Line of Credit (HELOC) or a Home Equity Loan (HELOAN). We pre-approve every borrower determining property value, credit scores and debt-to-income ratios to verify approval prior to submission to a lender. Doctor HELOC works with the largest lenders in the country to find the perfect fit based on your individual scenario.

Home Savings

Why Choose Doctor HELOC?

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Choosing a lender.

There are hundreds of lenders that offer home equity lines & loans. They all have different guidelines regarding your appraised value, your credit, and your debt-to-income. These guidelines change from day to day. One lender can be as much as 1% higher than another with the same scenario. Doctor HELOC will match you with the right lender based on your individual position getting you the best terms with rate & price.

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Navigate the process.

Qualifying for a home equity line or loan isn’t easy, and it’s only getting harder. With ever increasing risk, the lenders are tightening guidelines with lower loan-to-value (LTV) and debt-to-income (DTI) ratios and requiring higher credit (FICO) scores. Doctor HELOC will pre-approve your application and act as a liaison between you and the lender through the entire process. This is vital and will ensure a smooth transaction.

A Word From Our Clients

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"Dr. HELOC made the HELOC process a breeze! As a freelancer, banks were wary, but Dr. HELOC tailored a solution just for me. Now, I've got my dream studio. Thanks, Dr. HELOC!"

- Jamie R.

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"Thanks to Dr. HELOC, I tapped into my home's equity to fund my startup. The process was straightforward and fast. Truly a lifesaver for entrepreneurs like me!"

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- Marcus L.

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"Refinancing with Dr. HELOC was the smartest move for my family. We consolidated debt and saved money, all thanks to their personalized advice and care."

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- Sophia T.

Connect With Us

We will be in touch ASAP!

Frequently Asked Questions

  • What is a home equity line of credit (HELOC)?
    A HELOC, or Home Equity Line of Credit, is a revolving line of credit secured by the equity in your home. It allows homeowners to borrow against the equity they've built up in their property. Similar to a credit card, but much lower in rate, you can borrow up to a certain limit paying only on what you use. HELOCs have variable interest rates (based on PRIME) and can be used for various purposes like debt consolidation, home improvement or other expenses.
  • What is a home equity loan (HELOAN)?
    A HELOAN, or Home Equity Loan, is a lump-sum loan secured by the equity in your home. A HELOAN provides a one-time payout with a fixed interest rate and monthly payments. HELOANs are often used for large expenses such as home renovations, debt consolidation, or major purchases.
  • Will a HELOC / HELOAN affect the rate on my 1st mortgage?
    Securing a HELOC or HELOAN will NOT affect the current fixed rate on your 1st mortgage. HELOCs / HELOANs are 2nd mortgages.
  • How long does it take me to get my funds?
    The normal process takes 4-6 weeks start-to-finish.
  • How do I start the process?
    Fill out the information in Connect With Us and we will reach out to you within 1 business day. If you need emergency funds, text 619-323-7635 and you’ll be contacted the same day (7 days a week).
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