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My HELOC Options.

Would you like fast, easy, and accurate information about your HELOC options?

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Online Pre-approval in 5 minutes.
Funding in as few as 5 days*.

100% Online Process

Check your rate and HELOC limit offers securely. You decide if and when to speak with a specialist.

Fast and Easy

Get your personalized rate in seconds, and approval in minutes.

No Costs Up Front

Tap into your home equity with zero initial fees and flexible repayment. Check now!

Low Fixed Rates

Unlock your home’s equity with our HELOC, boasting LOW, fixed rates for predictable payments!

How it works

first Check Options:
first HELOC
first My HELOC Options. Fast & Easy. All Online.
first Check Options:
first HELOC
first My HELOC Options. Fast & Easy. Online.
1

Check My HELOC Options

Our application is fast, easy, and all online.

2

Fast, Easy Transaction

Get the funds you need now to start that home improvement project or consolidate your debt.

3

My HELOC Options

See how much you can get with a no-obligation quote.

My HELOC Options

Takes minutes. No SSN required. Zero Impact to credit..

Frequently asked questions

Q: Home much can I borrow with a HELOC?
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The accessible amount is mainly based on your home equity, typically a percentage of its value minus your mortgage balance. Synergy One Lending also evaluates your credit, income, and debt-to-income ratio to establish your borrowing limit. Contact our experts for a personalized assessment of your potential HELOC funds. In most states, Synergy One Lending offers loans ranging from $20,000 to † $750,000 with fixed terms of 5, 10, 15, and 30 years. At the time of funding, you will get the full amount of the loan proceeds, less the origination fee. If you have any additional questions regarding eligibility or property requirements, please call us at 602-833-2407 or email us at vmillington@s1l.com.

Q: What is required to start the HELOC Application Process?
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Only one owner may apply for and sign for the loan through Synergy One Lending; however, additional owners on the title must sign the mortgage documentation. A minimum credit score of 640 is required. Applying won’t have an impact on your credit score. We pull what is called a soft inquiry. However, a hard inquiry will be pulled after selecting your rate and term, which could impact your credit score. During the application process, we’ll electronically verify your assets and income. Please prepare your login information for your bank accounts (for assets), your payroll service provider (for income), or your tax provider (for tax returns). Please be advised that while you can manually upload these documents, doing so will cause the process to take longer. Identity verification is necessary so please have a valid, US-issued ID on hand, such as a driver’s license, state ID, passport, or permanent resident card, as identity verification is necessary.

Q: How do you know how much my property is worth?
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Synergy uses an Automated Valuation Model (AVM) to calculate the worth of your property, eliminating the need for an in-person appraisal. This model takes into account metrics such as recent sales of similar properties, public data records, and historical price trends in the housing market to reach an assessment of your property’s worth.

Q: How can I qualify for a HELOC?
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Applying for a HELOC with Synergy One Lending is fast and easy. Our application is fast, easy, and all online. Our application uses a soft-credit inquiry and an automated home valuation to provide you with an instant qualification decision. If pre-approved, you’ll be instantly presented with your offer options.

Q: Can I get a HELOC if I'm self-employed?
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Yes, with our solution, self-employed individuals can access the equity in their homes. One of the most frequent uses of HELOCs by self-employed people is for business purposes. During the application process, we’ll attempt to electronically verify your income and assets. Please have your login information for your bank accounts (for assets) and tax provider login (for income). Please note that while you can manually upload these documents, doing so will cause the process to take longer.

Q: What is the first step to take advantage of a HELOC?
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Start with “Check HELOC Options.” You’ll answer a few simple questions, review your results instantly, and connect with a HELOC Specialist only if you prefer. Everything can be done securely online.

Get Answers in Minutes

Speed matters. That’s why you can check your HELOC options today. Online, fast, easy, and without affecting your credit score.

Check HELOC Options

Online Pre-Approval. No SSN required. Zero Impact to credit.

Synergy One Lending, Inc. | NMLS 1907235 | http://www.nmlsconsumeraccess.org | 610 W. Ash Street, Suite 1505, San Diego, CA 92101 | (888) 995-1256 | © 2024 | Not affiliated with any government agency. All Loans are subject to underwriting approval. Terms and Conditions apply. Some loan products may not be available in all states. Subject to change without notice.
* By entering your information and clicking “Submit”, "Let's Get Started", or "Apply Now" you are authorizing Synergy One Lending to contact you, using the information you provided above. We may call, email or text you and Message and Data Rates may apply. You can STOP messaging by sending STOP and get more help by sending HELP. We may use automated dialing systems and prerecorded voice messaging in connection with calls or texts. This permission applies even if you are on a company, state or national Do Not Call Registry. You may opt-out of receiving these communications at any time. This consent is not requirement to obtain a loan. You may choose not to submit and contact us directly by our phone number listed. Our commitment to privacy can be found in our Privacy Policy.

*HELOC loan preapproval may be granted in as little as five minutes, but ultimately depends on individual speed at entering all required information. The S1L Texas HELOC requires a property condition report of greater than or equal to average. HELOC not available in all states. Not a commitment to lock or lend. Funding timelines will vary based on a variety of things, such as verifying property condition. Actual loan amounts will vary based on your home value and equity at the time of application, as determined by Synergy One Lending using independent data sources and automated valuation models. Not all applicants will qualify.
Synergy One HELOC is available in AL, AZ, CA, CO, FL, GA, NC, NV, SC, TN, TX (special terms and conditions apply), WA. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may 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. Synergy One HELOC is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. A one-time origination fee will be determined using several factors, including among other things: your credit profile, loan to value, lien status, and occupancy of property. You may also be responsible for paying recording fees, which vary by county. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
By entering your information and clicking “Find my Rate”, you are authorizing Synergy One Lending, Inc. to contact you, using the information you provided above. We may call, email or text you and data rates may apply. We may use automated dialing systems and prerecorded voice messaging in connection with calls or texts. This permission applies even if you are on a company, state or national Do Not Call Registry. You may opt-out of receiving these communications at any time. This consent is not requirement to obtain a loan. You may choose not to submit and contact us directly by our phone number listed.
** A preapproval may be granted in as little as five minutes, but ultimately depends on individual speed at entering all required information, and is subject to verification of income and employment. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines will vary and may take longer based on a variety of things, such as for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. In addition, funding timelines may be longer if we cannot readily verify that your property is in at least average condition with no adverse external factors with a property condition report and need to order a desktop appraisal to confirm the value of your property. Average funding timeline is 12 days.