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MortgageHouz 321.201.0436
Home Equity Solutions · Non-QM · Wholesale

One Place. Four Solutions.
Every Equity Scenario Covered.

MortgageHouz shops your deal across four top Non-QM and wholesale lenders — finding the best fit for your income type, property, and goals. No personal income docs required for investors. No tax returns for the self-employed.

$1M+
Max Line
580
Min FICO
4
Lender Options
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Choose Your Program

Which program fits you?

Click any card to explore full program details, guidelines, and eligibility for that lender.

DSCR HELOC · Non-QM · Investment

Jumbo HELOC

$1MMax Line
75%Inv. CLTV
700Min FICO (Inv)

The go-to for real estate investors. DSCR-based qualifying, LLC vesting, bank statement option for self-employed.

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HELOC + DSCR · Primary, 2nd Home, Investment

Primary & 2nd Home HELOC

$500KMax HELOC
95%Max CLTV
640Min FICO

Fastest HELOC closes in the wholesale channel. DSCR 1st lien up to $2.5M.

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Fully Digital HELOC · Primary & 2nd Home

Digital HELOC

$350KMax Line
80%Max CLTV
640Min FICO

100% digital from app to funding in as little as 5 days. Borrower-driven self-service platform.

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Closed-End 2nd Lien · Down to 580 FICO

NON-QM HELOC

80%Max CLTV
580Min FICO
Bank StmtsAlt Income OK

For borrowers who don't fit anywhere else. Bank statements, DSCR for investors, all occupancy types.

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Jumbo HELOC · Fast Close · Flexible Income

Tap Into Your Equity. Fast Close.

Access up to $1,000,000 of your home's equity — primary, secondary, or investment. Flexible income qualifications including bank statements.

$1M
Max Line
90%
Primary CLTV
660
Min FICO
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💰 Debt Consolidation

Eliminate high-rate credit card and personal loan debt by tapping home equity at a far lower rate.

🏠 Home Renovations

Fund kitchen remodels, additions, or major upgrades without disturbing the existing first mortgage rate.

🎓 Tuition & Education

Cover college tuition, private school, or professional education costs with flexible draw access.

🥥 Self-Employed Borrowers

12-month personal or business bank statements accepted in lieu of tax returns.

🏘 Investment Properties

LLC vesting allowed. Up to 75% CLTV on investment properties. Min 700 FICO.

⚡ Free & Clear Owners

First-lien HELOC available for borrowers with no existing mortgage.

Full Program Highlights

Jumbo HELOC — Complete Program Details

Loan Parameters

  • Loan amounts from $50,000 to $1,000,000
  • DTI up to 50%
  • Max CLTV 90% for primary
  • Max CLTV 85% for secondary
  • Max CLTV 75% for investment
  • Texas: max CLTV 80% for primary only
  • Min FICO 660 — primary & secondary
  • Min FICO 700 — investment properties
  • Variable rate: 5-year interest-only draw
  • 30-year maturity / 25-year amortization
  • AVM available up to $400,000 — no full appraisal needed

Income & Eligibility

  • 12-month personal or business bank statements for self-employed
  • One-year full doc available
  • Income can be verified automatically
  • First lien for free and clear borrowers
  • Second lien available
  • Co-borrowers allowed
  • No ownership seasoning required for primary
  • LLC vesting allowed
  • Quick Pricer available for HELOC scenarios

Property Types

  • SFR (single-family residences)
  • Townhomes & PUDs
  • Site condos
  • Warrantable and non-warrantable condos
  • 2–4 unit investment properties
  • Rural acreage up to 10 acres (primary only)

Ideal Use of Funds

  • Debt consolidation — eliminate high-rate debt
  • Home renovations & improvements
  • Tuition & education expenses
  • Investment property acquisition (down payment)
  • Business capital & operating reserves
  • Preserve existing low first-mortgage rate
Jumbo HELOC · Powered by MortgageHouz

Get Your HELOC Quote Today

Access up to $1,000,000 in equity — fast close, flexible income qualification.

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MortgageHouz LLC · NMLS #2755375 · 321.201.0436
Primary & 2nd Home HELOC · HELOC + DSCR First-Lien

Home Equity Options from the Top Lenders

Adjustable HELOCs, fixed-rate HELOCs, HELOANs, and DSCR first-lien investor financing — with the fastest closing times in the wholesale channel.

$500K
Max HELOC
95%
Max CLTV
14 days
Avg. Close
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Primary Homeowners

Up to 95% CLTV for qualified borrowers, with variable-rate draw periods and interest-only payment options.

Second Home Owners

HELOCs and HELOANs available on second / vacation homes. Keep the first mortgage rate intact.

Real Estate Investors (DSCR)

DSCR first-lien product goes up to $2.5M with DSCR ratios as low as 0.75x.

Piggyback / Purchase

Standalone and piggyback second lien options — great for avoiding PMI.

Debt Consolidation

Fixed-rate HELOC and HELOAN products with terms up to 30 years.

Speed-Focused Closings

48–72 hour underwriting and average fund times of 14–21 days.

Full Program Details

Primary & 2nd Home HELOC Product Suite

One of the nation's largest home equity wholesale lenders, founded in 2016 and licensed in 40+ states.

HELOC — Adjustable & Fixed

  • Variable HELOC: $50,000 to $500,000
  • Fixed-Rate HELOC: $25,000 to $500,000
  • Max CLTV up to 95% (tiered by FICO)
  • Min FICO 640 (variable HELOC: 660)
  • Max DTI 45% (up to 50% with 700 FICO + $3,500 residual)
  • Variable: 10-year IO draw / up to 30-year repayment
  • Fixed: 3-year draw / 15, 20, or 30-year term
  • Primary, second home, and investment (HELOAN)
  • First-lien HELOC for free-and-clear borrowers

DSCR — First-Lien Investor Loans

  • Loan amounts up to $2,500,000
  • Aggregate exposure up to $5,000,000
  • DSCR ratios as low as 0.75x
  • Qualify on property income, not personal income
  • UW turn time: 3 calendar days
  • SFR, 2–4 unit, condos, townhomes

Speed

  • Fund in as little as 14 days (21-day avg)
  • HELOC UW: 48–72 hours
  • EMMA portal — real-time pricing across all products
  • Only 4 items needed for initial HELOC UW

Fees

  • Admin fee up to $999
  • $99 annual HELOC maintenance fee
  • No application fee
  • No prepayment penalties
  • Licensed in 40+ states (not NY)
Primary & 2nd Home HELOC · Powered by MortgageHouz

Get Your Home Equity Quote Today

Variable HELOC, fixed HELOC, HELOAN, or DSCR investor loan — we'll find the right product for your scenario and price it live.

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MortgageHouz LLC · NMLS #2755375 · 321.201.0436
Digital HELOC · 100% Digital

From Application to Funded in As Little as 5 Days.

A fully digital HELOC for primary and second home borrowers — borrower-driven, no branch visits, no loan officer required.

5 Days
Min. Close Time
$350K
Max Line
640
Min FICO
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Speed-Focused Borrowers

Application to funded in as little as 5 days.

Primary Homeowners

Access home equity for renovations, debt consolidation, or education — all without leaving your house.

Second / Vacation Homeowners

Ideal for quick access to equity on a vacation or beach property.

Digitally Savvy Borrowers

Application, underwriting, and funding managed entirely online.

Lower FICO Borrowers

Credit requirements start at 640. Soft-pull pre-qual at 600+.

Equity-Rich Homeowners

A second lien — keep your existing low-rate first mortgage.

Full Program Details

Digital HELOC — Equity Advantage HELOC

A top 10 Non-QM lender purpose-built for speed and borrower convenience.

Loan Parameters

  • Loan amounts from $25,000 to $350,000
  • Maximum CLTV 80%
  • Min credit score 640 (soft pull pre-qual at 600)
  • Adjustable rate — tied to Prime Rate
  • 3 or 5-year draw periods
  • Up to 30-year repayment term
  • Second lien only (first must be seasoned 12+ months)
  • 90% draw required at funding

Eligibility & Digital Process

  • Primary and second homes eligible
  • Investment properties not eligible (see Jumbo HELOC)
  • Borrower-driven digital process — entirely online
  • At least one borrower from first lien must be on application
  • Fraud detection via Data Verify on all borrowers
  • Tri-merged credit report required
  • Not available in HI, LA, MO, NE, NV, NY, TX

Program Benefits

  • Fund in as little as 5–10 days
  • Automated UW and processing
  • White-label marketing materials provided

Use of Funds

  • Home renovations and improvements
  • High-rate debt consolidation
  • Education / tuition
  • Emergency reserves / any financial goal
  • Preserve existing low first-mortgage rate
Digital HELOC · Powered by MortgageHouz

Ready in 5 Days. Apply Today.

The fastest fully digital HELOC in the market. MortgageHouz handles everything — you manage it all online.

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MortgageHouz LLC · NMLS #2755375 · 321.201.0436
NON-QM HELOC · Closed-End 2nd Lien

When Other Lenders Say No — We Say Yes.

A Non-QM closed-end second mortgage for borrowers who don't fit conventional molds. Down to 580 FICO, bank statement income, DSCR for investors, all occupancy types.

580
Min FICO
80%
Max CLTV
Bank Stmts
Alt Income OK
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Credit-Challenged Borrowers

Qualifies down to 580 FICO — lower than virtually any other second-lien program.

Self-Employed / Business Owners

Use 12 or 24 months of personal or business bank statements. No tax returns or W-2s required.

Real Estate Investors (DSCR)

Access equity based on rental income, not personal income docs.

Non-Traditional Income Earners

1099, P&L statements, alternative income docs, and full-doc all accepted.

Borrowers Post-Credit Event

For those rebuilding after a bankruptcy, short sale, or foreclosure.

Jumbo / Specialty Scenarios

Super jumbo loans up to $10M and specialty programs.

Full Program Details

NON-QM HELOC — Closed-End Second

Loan Parameters

  • Closed-end second lien / HELOAN (fixed lump sum)
  • Max CLTV up to 80% (varies by FICO & doc type)
  • Minimum FICO 580 — lowest available threshold
  • Fixed-rate, fully amortizing payment structure
  • Predictable monthly payments — no variable rate risk
  • Subordinate to existing first mortgage lien

Income Documentation

  • 12-month bank statements (personal or business)
  • 24-month bank statements (down to 580 FICO)
  • DSCR-based qualification for investment properties
  • P&L / 1099 programs available
  • Full doc (W-2 / tax return) for traditional borrowers
  • Alternative income for non-traditional earners

Eligible Properties & Occupancy

  • Primary residences
  • Second homes
  • Investment properties (DSCR-qualifying)
  • SFR, 2–4 unit, condos, PUDs
  • 5+ unit / commercial also available

Use of Funds

  • Debt consolidation (credit cards, personal loans)
  • Home improvements and renovations
  • Investment property acquisition (down payment)
  • Business capital injection
  • Preserve existing low first-mortgage rate
NON-QM HELOC · Powered by MortgageHouz

Non-QM Second Lien — Any Borrower Profile

Down to 580 FICO, bank statements, DSCR, or full doc — when others say no, we have a path to your equity.

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MortgageHouz LLC · NMLS #2755375 · 321.201.0436
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Mortgage Houz LLC · NMLS #2755375 · Licensed Mortgage Broker · Florida. This is not a commitment to lend. All loans subject to credit approval, income verification, and property eligibility. Programs and rates subject to change without notice. Not all programs available in all states. Program highlights sourced from publicly available lender publications and are subject to change; contact MortgageHouz for current pricing and eligibility.

Equal Housing Lender. Not affiliated with or endorsed by FHA, VA, USDA, Fannie Mae, or Freddie Mac.