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Access your home equity with a flexible revolving line of credit. NetCORE offers HELOCs up to 90% LTV, significantly higher than the typical 65% offered by banks.
A HELOC is right for you if you want flexible access to your home equity without refinancing your entire mortgage. It works like a credit card secured by your home, ideal for renovations, debt consolidation, or as a financial safety net. NetCORE offers up to 90% LTV.
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Min Credit Score
640+
Max LTV
90%
Max DTI
43%
Loan Limits
Based on available equity; typically up to $500,000
PMI / MIP
No PMI or MIP
Occupancy
Primary or secondary residence
We review your current mortgage balance, estimate your home's current value, and calculate your available equity to determine your maximum HELOC amount.
Submit your application with income documentation and current mortgage statement. We order an appraisal or use an automated valuation model to confirm your home's value.
The underwriter verifies your income, credit, and equity position. HELOCs typically have a faster underwriting process than full refinances.
Sign your HELOC documents and gain access to your credit line. Draw funds as needed via checks, online transfer, or a linked card during the draw period.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
Explore other loan products that might be a good fit for your needs.
Replace your existing mortgage with a new loan to lower your rate, reduce monthly payments, shorten your term, or access your home equity through cash-out refinancing.
A traditional mortgage not insured by the federal government. Ideal for borrowers with strong credit and stable income who want competitive rates and flexible terms.
Allows homeowners aged 62 and older to convert home equity into cash without monthly mortgage payments. Ideal for supplementing retirement income while staying in your home.
Apply online in minutes or call us to speak with a loan advisor about your HELOC options.
This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.
These FAQs are generated with AI assistance and reviewed periodically. For personalized advice about your specific situation, please call us or apply online.