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The fastest, simplest way to get your home equity line

A home equity line of credit from Synergy One Lending offers the flexibility you need.

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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.

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

§ 5 Day Funding Not Eligible in Texas

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

Fixed Rates

No up front

Digital App

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How are homeowners using a home equity line of credit?

  • 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

HELOC Knowledge

What is a HELOC
How much can I borrow with a HELOC?
What can I do with my HELOC funds?
How can I qualify for a HELOC?
What is required to start the HELOC application process?
How do you know how much my property is worth?
Can I get a HELOC if I’m self-employed?

A home equity line of credit, or HELOC, lets you borrow against your home’s available equity. 

Your equity is determined by subtracting the value of your home from the mortgage balance owed. 

Additionally, you can build equity if the value of your home increases as a result of changes in the housing market or improvements you make to the property. 

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 

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

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.

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.

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.