Unlock your equity.
Keep your 3% rate.
Don't refinance and lose your historically low mortgage rate. Open a Home Equity Line of Credit (HELOC) up to $400,000 in just 5 days. Use it for renovations, debt consolidation, or a rainy day.
5 Days
Average Funding
$0
Hidden Fees
85%
Max CLTV
Check Your Line
Takes 60 seconds. No hard credit pull.
A smarter way to borrow.
A NovaLine HELOC works like a massive credit card backed by your home. It's the ultimate financial tool for modern homeowners.
Keep Your First Mortgage
Our HELOC is a "second lien." This means it sits behind your primary mortgage without touching it. You get to keep that amazing 2.5% rate you locked in years ago.
Pay Only For What You Use
Unlike a traditional loan where you pay interest on a lump sum immediately, a HELOC is a revolving line. Draw $50k for a kitchen remodel, and you only pay interest on that $50k.
Fund in 5 Days
We use Automated Valuation Models (AVMs) to digitally appraise your home. In most cases, nobody needs to walk through your house. Go from application to funding in under a week.
The 30-Year Lifespan of a HELOC
The Draw Period
Your line of credit is open. You can draw money out, pay it back, and draw it out again—just like a credit card.
- Access funds anytime via portal
- Interest-only minimum payments
The Repayment Period
The line closes. You can no longer draw funds. You now pay back the remaining balance over the next 20 years.
- Fully amortized payments (Principal & Interest)
- No prepayment penalties to pay it off early
What our members say
"Funded my ADU construction."
"I wanted to build an Accessory Dwelling Unit (ADU) in my backyard for rental income, but didn't want to touch my 2.75% first mortgage. NovaLine gave me a $150k line of credit. I drew the money out in phases to pay my contractor. Brilliant product."
James C.
Seattle, WA
"Insanely fast process."
"I applied on a Tuesday. The automated valuation came back instantly. Uploaded my paystubs, got a remote notary on Friday, and the $80,000 for my kitchen remodel was in my checking account by the following Wednesday. Completely seamless."
Emily R.
Denver, CO
Ready to tap into your home's hidden wealth?
See your pre-approved credit limit in minutes. No commitment required.
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