The 5-Day HELOC. Tap your home equity without giving up your low mortgage rate.
A standalone home equity line of credit through West Capital Lending — apply online, fund in as few as 5 business days, and keep your existing first mortgage intact.
How the 5-Day HELOC works
A streamlined product built for homeowners who want to access equity without resetting their first mortgage.
Standalone HELOC
Available in 1st, 2nd, and 3rd lien positions — your existing first mortgage stays untouched.
$25,000 to $750,000
Choose terms of 10, 15, 20, or 30 years to fit your repayment timeline.*
Fast funding
Apply in minutes, fund in as few as 5 business days for primary residences.*
100% online application
Apply from the comfort of home — no need to visit a branch.
Competitive vs. unsecured options
Compared with personal loans and credit cards, a HELOC can be a more cost-effective way to access funds.*
Use it for anything
Renovations, debt consolidation, major expenses, or investment opportunities — your equity, your call.
No upfront cash at closing
The origination fee is included in your loan amount — no out-of-pocket cash required to fund.*
0.25% autopay rate discount
Enroll in autopay at closing to lock in a 0.25% rate discount for the life of the line.
Eligibility at a glance
High-level criteria to help you self-assess. Specifics depend on your scenario.
- Minimum FICO 600 for primary residences (640 for the variable-rate option); 680 for non-owner-occupied properties
- Owner-occupied, second-home, and investment properties eligible — loan amount, lien position, and CLTV limits differ by occupancy
- Single-family residences, townhomes, condos, PUDs, duplexes, and 3-4 unit properties accepted
- 90-day seasoning required if you recently purchased or refinanced (measured from county recording date)
- Properties listed for sale, co-ops, manufactured housing, and properties with a reverse mortgage are not eligible
- Currently not available for properties in Texas or New York
Eligibility, loan amount, and rate depend on your specific scenario. Let's run the numbers together.
Book a 30-min callFrom application to funding in 4 steps
Apply online
Quick application from any device — typically under 10 minutes.
Property condition report
We verify your property is in at least average condition through a standard report.
Income & employment verification
Confirm income and employment as part of the underwriting process.
E-sign and fund
Sign closing documents with our remote online notary, and funding follows.
Is a HELOC right for you?
The most common scenarios where homeowners put a 5-Day HELOC to work.
Debt consolidation
Combine high-interest credit card and personal loan balances into a single HELOC payment. Potential cost savings depend on your scenario.*
Home renovation
Fund kitchen, bath, addition, or whole-home projects without resetting your first mortgage at today's rates.
Major expense or opportunity
Education costs, an investment opportunity, or a life event — pull from equity you've already built.
Common questions about the 5-Day HELOC
What's the difference between a HELOC and a cash-out refinance?
A HELOC sits behind your existing first mortgage as a separate line of credit, so your first mortgage rate and balance stay exactly where they are. A cash-out refinance replaces the first mortgage entirely with a new, larger loan at today's rates. If you locked in a low first-mortgage rate, a HELOC lets you tap equity without giving that rate up.
Will applying for a HELOC affect my first mortgage?
No. The 5-Day HELOC is a standalone product. Your existing first mortgage — its rate, term, and balance — stays the same. The HELOC is a separate lien against your home equity.
How does the 5-day timeline work?
Approval can come in as little as five minutes, but funding in five business days is contingent on a few things: a property condition report, income and employment verification, and closing through our remote online notary. If your property is in a county that doesn't permit e-recording of signatures, the timeline can run longer because in-person closing is required.
What happens if I don't repay?
A HELOC is a loan secured by your home. If you fail to make payments, the lender can foreclose, and you could lose the property. This is the central trade-off versus unsecured options like credit cards or personal loans — your home is collateral.
Are there closing costs?
Yes — like any mortgage product, there are closing costs, including an origination fee that gets included in your loan amount (so no out-of-pocket cash is required at closing). Exact amounts depend on loan size, property location, credit profile, and state. Once you formally apply, you'll receive a Loan Estimate that itemizes every cost. Don't hesitate to ask Jerry to walk through it line by line.
I just bought my home — can I get a HELOC right away?
Not quite yet. The product requires a 90-day seasoning period from when your purchase or refinance was recorded with the county. Once that window passes, you're eligible to apply.
Can I use this for an investment property?
Yes, with conditions. Investment and second-home properties are eligible, but loan amount, lien position, and CLTV limits differ from owner-occupied scenarios. The product isn't currently available for investment properties in Texas or New York. Let's talk through your specific scenario — book a call and we'll map it out.
* Lines over $400,000 require a full appraisal during the application. Minimum loan amount is $35,000 in Texas. Maximum loan amount and CLTV depend on FICO score, lien position, and property occupancy.
* Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five-business-day closing assumes closing the loan with our remote online notary on a primary residence. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, and timelines may differ for second-home or investment properties.
* An origination fee (typically 1.50%–4.99%, varies by credit profile and state) is included in your loan amount and increases your line balance. See your Loan Estimate for the specific fee on your scenario.
* HELOC vs. unsecured comparison based on Bankrate data for personal loans, credit cards, and HELOCs. The HELOC product requires the customer to pledge their home as collateral, and the customer could lose their home if they fail to repay.
Talk to Jerry about a HELOC
Tell Jerry a bit about your scenario and start a conversation. He'll follow up within 1 business day with options that fit your situation.
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