Three ways to access cash without disturbing your existing low-rate mortgage
Enter your property details. See available equity, eligibility, and payment estimates.
⚡ All products preserve your existing low-rate first mortgage (when used as second lien). Wealth Builder can also be first lien for cash-out refi.
Estimate monthly payments based on desired loan amount and sample rate.
Fast, digital HELOC — fixed rate, second lien
Close in minutes — up to 89% CLTV
Up to $3.5M · 90% LTV · Wholesale Only
| Feature | Figure | Aven | Wealth Builder |
|---|---|---|---|
| Loan Amount | $25K–$750K | $5K–$400K | Up to $3.5M |
| Max CLTV/LTV | 85% | 89% (Owner) | 90% (740+ FICO) |
| Min FICO | 640 | 680 | 700 |
| Lien Position | 2nd | 1st & 2nd | 1st Lien |
| Occupancy | Owner & Non-Owner | Owner Occupied | Primary, 2nd Home, Invest |
| Rate Type | Fixed | Variable | Variable |
| LO Comp | 2.00% | 2.25% | Borrower Paid |
Ready to explore your equity options? Fill out the form and a specialist will reach out.