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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.

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 $20K $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.

Synergy One HELOC is available in AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, IA, ID, IL, IN, KS, LA, MA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, SD, TN, UT, VA, WA, WI, WY. 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.