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A Fast, Simple Way to Get Your Home Equity Line

A Home Equity Line Of Credit from Synergy One Lending offers the flexibility you need.

Find My RateHELOC FAQ's

No SSN required. Zero Impact to credit.
Your Information is never sold.

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“My wife and I were so impressed with the speed and ease of the Synergy One HELOC program. Everything was quick and paperless. Everything was simple and clear every step of the way. Good job! I would recommend this program to anyone.”

-Steve S.

Find My Rate

No SSN required. Zero Impact to credit.
Your Information is never sold.

Pre-Approval in 5 minutes.
Funding in as few as 5 days§.

§ 5 Day Funding Not Eligible in Texas

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Low
Fixed Rates

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

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No Costs
Up Front

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

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Fully
Digital App

Manage your account seamlessly with our digital platform. Apply and track progress from your phone!

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Up to
$750,000

Access significant funds for your needs—get as much as $750,000! Get started today!
† Loans over $400k will require a full in-person appraisal, borrower paid, in flow

S1L
HELOC		 Traditional
HELOC
Pre-Approval Time 5-10 minutes 30-45 minutes
Days to Fund As few as 5 days 45-60 days
Rate Fixed Variable
Minimum Loan Amount $25K $25K
Find My Rate

No SSN required. Zero Impact to credit.
Your Information is never sold.

What are the Benefits of Heloc and How are Homeowners Using Heloc Benefits?

  • Consolidate high-interest rate debt
  • Pay for home improvements
  • Pay for college tuition
  • Pay for wedding expenses
  • Finance new business venture
  • Coverage for sabbatical — take time off to support or care for family
Find My Rate

No SSN required. Zero Impact to credit.
Your Information is never sold.

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Heloc
Investment Property

HELOCs offer flexible investment property financing. Use funds for down payments, renovations, or even full purchases. Their revolving credit line means you only pay interest on what you use, ideal for staggered projects. This lower-cost option can boost your real estate portfolio.

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Benefits of
Heloc Loans

Home equity loans offer a lump sum with fixed rates and predictable payments, unlike variable-rate HELOCs. This makes them ideal for large, one-time expenses like renovations or debt consolidation, providing budget stability and potentially tax-deductible interest.

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Heloc
Tax Benefits

HELOC interest may be tax-deductible if funds are used to “buy, build, or substantially improve” your home. This benefit, often applied to renovations or additions, can reduce your taxable income, making HELOCs a more attractive financing option for new home projects.

HELOC Knowledge

Click on the FAQ tab below to reveal the answers

What is a HELOC?

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 $400,000 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 1-888-373-0535 or email us at applynow@synergyoneheloc.com. 

How Much Can I Borrow With a HELOC?

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 1-888-373-0535 or email us at applynow@synergyoneheloc.com. 

† Loans over $400k will require a full in-person appraisal, borrower paid, in flow

What Can I Do With My HELOC Funds?

You can utilize a home equity line of credit for things like debt consolidation, home improvements, or any other major purchase of your choice.

How Can I Qualify for a HELOC?

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.

What is Required to Start the HELOC Application Process?
  • 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.

How Do You Know How Much My Property is Worth?

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.

Home Equity Loan or Refinance?

Considering a home equity loan or refinance? Synergy One Lending provides expert guidance to help you navigate these options. A home equity loan offers a straightforward way to borrow a specific amount with predictable payments, while a refinance can provide cash-out options and potentially adjust your interest rate or loan term. Trust our team at Synergy One Lending to offer personalized advice and transparent information, empowering you to choose the best path for your financial goals.

Home Equity Loan or Second Mortgage?

Considering a Home Equity Loan or Second Mortgage? Synergy One Lending offers clear, personalized guidance to help you understand the distinctions. A Home Equity Loan typically provides a fixed-rate lump sum, ideal for specific projects, while a Second Mortgage has its own terms and implications for your existing mortgage. Trust our experts at Synergy One Lending to provide transparent insights and competitive rates, empowering you to choose the best option for your financial needs.

Can I Get a HELOC if I'm Self-employed?

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.

Find My Rate

No SSN required. Zero Impact to credit.
Your Information is never sold.