The 7-Day Equity Loan

Put the equity you've built back to work — without giving up the mortgage rate you fought for. A standalone HELOC, 100% online, no appraisal.

$400K

Maximum line

5 days

Funding, as fast as

620+

Minimum FICO

89%

Maximum CLTV

Apply online
A 100% online application — no appraisal appointment, no branch visit, no paper stack. Most borrowers finish in minutes.
Keep your rate
It's a standalone second-lien HELOC, so the low rate you locked on your first mortgage never gets touched.
Funded in days
Automated valuation and verification move the file in days, not weeks — funding in as few as five business days.

Start at 7dayequityloan.com Apply with your loan officer See all loan programs

Figures shown are program maximums, not an offer to lend. All loans subject to credit approval; terms vary by scenario and state.

FAQ

Equity questions, answered

Can I access my home equity before I finish paying off my loan?

Yes! Your mortgage lender can work with a certified specialist to help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage lender to find out how you can access your home equity to cover any of your life's needs.

What is Private Mortgage Insurance (PMI)?

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.