Tap Your Home Equity. Money in Your Account in 7–10 Days.
Most HELOCs take 30–45 days. We close in 7–10. Your equity, working faster.
- Up to 85% combined LTV
- 10-year draw period
- No prepayment penalty
- Variable rate tied to prime
Estimate your HELOC
Up to 85% combined LTV — minus your current mortgage.
Why people tap their HELOC
Real estate investing
Equity in your primary becomes the down payment on your next rental. Faster than a cash-out refi.
Business expansion
Lower-cost capital than a business loan, with flexible draw timing.
Home renovation
Draw what you need as you need it. Pay back during construction or after.
Debt consolidation
Roll high-interest debt into a single, lower-rate line.
How it works
Apply in 3 minutes
Name, email, phone, home value, current mortgage balance.
Approval in 48–72 hours
Real numbers — line size, rate, fees. Not a teaser.
Funds in 7–10 days
Industry average is 30–45. We are 3–4× faster.
Get your exact HELOC amount
Real numbers, no hard credit pull, no commitment.
Calculate my HELOC
No hard pull. Funds in 7–10 days for qualified borrowers.
Founded by Chris Harris — UCLA-trained electrical engineer, NASA veteran, inventor of a life-saving robotic medical device. Best Finance was built to bring engineering rigor to mortgage lending.
Frequently asked questions
Stop letting your equity sit.
Funds in your account in 7–10 days. Apply now.
Calculate my HELOC
No hard pull. Funds in 7–10 days for qualified borrowers.
NMLS# [###] · Best Finance · Equal Housing Lender. All loans subject to credit approval and underwriting. Rates, terms, and program availability subject to change without notice. Not a commitment to lend. HELOC product subject to property and equity requirements; rate is variable and tied to prime. 7–10 day close timeline is for qualified borrowers with complete documentation.