Fast-Track Digital HELOC
A Fast-Track Digital HELOC is a line of credit secured by your home, with a digital application. You draw what you need and pay interest only on what you use. Whether your current first mortgage stays in place is subject to guidelines.
Rates change daily. Talk to a real lender, Mon-Fri, 9 AM-6 PM PT.
Fast-Track Digital HELOC at a glance
| What you get | A line of credit with a digital application |
|---|---|
| Rate type | Usually variable |
| Your first mortgage | Subject to guidelines |
| Line amount | Subject to guidelines |
| Draw and repayment | Subject to guidelines |
| Property types | Subject to guidelines |
Program terms vary and change. Get a quote for your options.
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Like a standard HELOC, this is a line you can draw on, usually at a variable rate. The difference is the digital application. A home equity loan is a lump sum with a fixed payment. A cash-out refinance replaces your first mortgage.
What we need
A current mortgage statement, homeowner's insurance, income documents and photo ID. The digital application may ask for more, depending on your file.
Frequently asked questions
How is this different from a standard HELOC?
It is a home equity line of credit with a digital application. You draw what you need. Line amount, term, and lien position are subject to guidelines.
How much can I borrow?
The line amount is subject to guidelines. It depends on your home's value, what you owe, and the program. Get a quote for a real number.
Is the rate fixed or variable?
It is usually variable. Some programs let you fix part of the balance. Get a quote for the options on your file.
Will it replace my first mortgage?
Not always. Whether the line sits beside your first mortgage or in another position is subject to guidelines.
Can I use it on a rental?
Eligible property types are subject to guidelines.
Rates change daily. Talk to a real lender, Mon-Fri, 9 AM-6 PM PT.
Reviewed by Roland Suncire, Founder and President, NMLS 1196184. Last updated October 2026. Reviews