Variable APR as low as 8.99% | Maximum APR: 18.00% | Rate varies with Prime Rate | 10-year draw / 20-year repayment | Interest-only payments during draw period | Subject to credit approval
No hard credit pull to apply
Your home has value. Let's put it to work.
Fast, simple HELOC financing for homeowners. W-2, self-employed, or investor — we find the right path for you in minutes.
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No commitment required
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Decision in 24–48 hours
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Licensed & regulated
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$50K–$750K lines available
48hrAverage Decision
$750KMax Line Amount
AllIncome Types
90%Max LTV
How It Works
From application to approval — faster than you'd expect
We've streamlined the process so you spend less time on paperwork and more time on what matters.
1
Tell us about your home
Share your property details, estimated value, and what you're looking to borrow. Takes about 3 minutes.
⏱ 3 minutes
2
We match you instantly
Based on your profile, we route you to the best lender for your situation — no guessing, no shopping around.
⏱ Instant
3
Soft credit check only
We run a soft pull to confirm your rates — zero impact to your credit score at this stage.
⏱ Same day
4
Get your decision
Most borrowers receive a conditional approval within 24–48 hours. Our team guides you through closing.
⏱ 24–48 hours
Income Programs
There's a path for every borrower
Whether you're salaried, self-employed, or investing in real estate — we work with all income types.
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W-2 Employees
The fastest and simplest path. Use your pay stubs and tax returns for a streamlined, automated approval process.
⚡ Fastest approval
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Self-Employed
12 or 24 months of personal or business bank statements. No tax returns required for this program.
✦ Bank statement program
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1099 & Gig Workers
Contractors, consultants, and freelancers welcome. We use your 1099s to calculate qualifying income.
✦ Flexible qualifying
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Real Estate Investors
Use rental income or DSCR (debt service coverage ratio) to qualify — no personal income required.
✦ DSCR available
HELOC Highlights
Everything you need to know, upfront
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Loan Amounts
$50,000 – $750,000
Up to 90% LTV on primary residence
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Variable APR
As low as 8.99%
Max APR 18.00% | Varies with Prime Rate
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Loan Terms
Up to 30 Years Total
10-year draw period + 20-year repayment
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Payments
Interest-Only During Draw
Payments required only on amounts drawn
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No Appraisal
For Loans Under $400K
100% digital process from start to finish
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Tax Deductibility
Consult a Tax Advisor
Interest deductibility depends on use of funds
All loans subject to credit and program approval. Variable APR as low as 8.99%, maximum APR 18.00%. Rate varies with the Prime Rate and may increase after consummation. Terms up to 30 years (10-year draw / 20-year repayment). Minimum monthly payments during the draw period are interest-only on drawn balances. This is not a commitment to lend.
Ready to tap your equity?
No commitment. No hard credit pull. Just a quick conversation about your goals.
Takes 5 minutes to apply
No impact to your credit score
Licensed mortgage brokers
Variable APR as low as 8.99% | Max APR 18.00% | Rate varies with Prime Rate | 10-yr draw / 20-yr repayment | Interest-only payments on drawn balances | Subject to credit approval | Not a commitment to lend
Let's get started
Step 1 of 3 — Your Property
Step 1 of 3
Tell us about your property
We'll use this to match you with the right lender for your situation.
Please enter your property address
Required
Required
Required
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Please enter a valid email
Step 2 of 3
Your financial picture
Approximate numbers are fine — this helps us find your best match.
Step 3 of 3
Almost there — review & submit
Double-check your details below, then submit. Our broker team will reach out within 1 business hour.
Your Summary
Name: —
Email: —
Property: —
State: —
Requested: —
Income Type: —
I consent to a soft credit check to determine rates and terms I may qualify for. This will not affect my credit score.
I consent to Forward Lending, Inc. d/b/a Method performing a soft credit pull and accessing liability account data from my financial institutions.
Important Disclosures
Innovative Mortgage Services, Inc. is a licensed New Jersey Correspondent Residential Mortgage Lender, NMLS ID #250769 (P: 408-940-6835). Licensed by the N.J. Department of Banking and Insurance. Nevil Shah, MLO NMLS ID #2226405. For this advertised program, Innovative Mortgage Services, Inc. may act as a correspondent residential mortgage lender or as a residential mortgage broker; for transactions brokered under this program, Innovative will not make mortgage loan commitments or fund loans, and loans will be arranged with third-party providers. Variable APR as low as 8.99%, maximum APR 18.00%. Rate varies with the Prime Rate and may increase after consummation. Terms up to 30 years (comprising a 10-year draw period and 20-year repayment period). Minimum monthly payments during the draw period are interest-only on drawn balances. Consult a tax advisor regarding the deductibility of interest. To learn more about your fair lending rights and to obtain the required HELOC consumer booklet, visit www.consumerfinance.gov. We are an Equal Housing Lender.
Submitting your application...
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You're all set!
We've received your application and our broker team will be in touch within 1 business hour to confirm next steps.
What to expect
1
Our broker reviews your profile and confirms the best lender match for you
2
You'll receive a secure link to complete your full application online
3
A soft credit pull runs — no impact to your score
4
Conditional approval typically arrives within 24–48 hours