S.O.S. Loans, Inc. Private Mortgage & Equity Brokers
Home Equity Line of Credit (HELOC)

Get the cash you need without leaving home.

Submit our 100% online form in minutes. Funding in as few as 5 days.2

I want to:

Make home improvements Build an ADU Tackle debt Fund education Cover a major expense Fund a small business

Get HELOC Quote

SECURE DIGITAL FORM

Step 1: Contact Information

Enter your basic contact information here:

Checking your rate is a Soft Credit Pull and will not impact your credit.3

S.O.S. Loans, Inc. | NMLS #2222125
Licensed by the DFPI under the California Financing Law
Equal Housing Lender

What is a HELOC?

A Home Equity Line of Credit (HELOC) is a revolving line secured by your home. You draw what you need (up to your credit limit), repay, and can draw again � similar to a credit card, but typically at lower rates because it's secured.1, 8

How does a HELOC work with S.O.S. Loans?

As an independent broker, we partner with leading equity platforms to deliver a fast, streamlined, and borrower-centric process.

1

Complete our 100% online form

No in-person appraisal is needed for loans under $400K. Prequalification won't affect your credit score.3 You'll see your HELOC options for eligible properties held solely, jointly, in a revocable trust, or by an LLC.

2

Get approved in minutes, fund in as few as 5 days2

Borrow from $15,000 to $750,0005 with a single origination fee.6 Complete your form safely with quick, easy online notary closing services available in most locations.

3

Option to redraw up to 100%1

Take advantage of the option to take additional draws as needed over time. As you repay your principal balance, those line funds automatically become available to borrow again.

How does a Digital HELOC compare against other options?

Explore your options and see why a straightforward online form, quick funding, and competitive rates make a digital HELOC the smart choice for your financial needs.

Feature Fast-Track Digital HELOC4 Average Personal Loan**
Application 100% online, see your rate in minutes Varies by lender
Prepayment Penalty No Varies by lender
Tax Deductible For home improvement (consult a tax professional)9 Not tax deductible
Funding Speed Funding in as few as 5 days2 Varies, generally quick
Average APR Competitive rates6 Typically higher than HELOCs

* lendingtree.com/home/home-equity/the-fastest-way-to-tap-your-home-equity/

** money.usnews.com/loans/personal-loans/articles/personal-loan-vs-home-equity-loan-which-is-better

Get HELOC Quote

The Digital HELOC Program Guidelines

Flexible underwriting parameters built to maximize approvals across primary and multi-unit residences.

Primary Residences

  • High Loan Limits: Borrow up to $750,000 to maximize your access to cash.
  • Up to 85% Equity Access: Tap into a larger portion of your home's value (based on your credit profile).
  • Keep Your Current Mortgage: Keep your low rate�the HELOC sits safely behind your existing first mortgage.
  • Flexible Credit Options: Credit scores down to 600 are accepted for both primary residences and investment properties (up to $250,000 max limit).

Investment Properties

  • 2-4 Unit Properties: Full program eligibility for standard multi-family investment homes.
  • LLC Ownership: Investment properties held securely inside a corporate LLC are welcome.

Ready to leverage your home equity?

Take the guesswork out of your home's worth and find out exactly how much cash you can access. Tap the link below to get your fast online quote, or connect with an S.O.S. Loans expert right now by phone or text message.

Call: (800) 503-6648 Text: (424) 323-3361 Get HELOC Quote