#1 Home Equity Line of Credit

In the United States

#1 Home Equity

Line of Credit

In the United States

Closes in just 5 days. Lowest Rates. No appraisal required.

Fastheloc.com

What can I use a HELOC for?

Our HELOC is extremely Flexible.

Paying Off Debt

Remodeling & Renovation

Investment Properties

Anything Else!

WHY FASTHELOC.COM?

Our HELOC Offers...

5-Day Funding

That's right! You can get the funds in just 5 days.

Approval in 5 Minutes.

Once you apply you will get an offer in just 5 minutes!

Better Terms & Lower Rates

Our HELOC has the best rate and terms!

How exactly does a Home Equity Line of Credit (HELOC) Work?

A Home Equity Line of Credit (HELOC) is a type of revolving credit that allows homeowners to borrow against the equity they have in their home. The lender sets a credit limit based on this equity and your creditworthiness. During the draw period, typically lasting 5-10 years, you can borrow money up to your limit and make interest-only payments or small principal payments. You only pay interest on what you use! After the draw period ends, you enter the repayment period, lasting 10-20 years, where you repay both principal and interest.

Other Benefits of Getting a HELOC:

Lower Interest Rates: HELOCs often have lower interest rates compared to unsecured loans or credit cards, making them a cost-effective borrowing option.

Tax Deductions: Interest on a HELOC may be tax-deductible if the funds are used for home improvements, although tax laws can change, so it's wise to consult a tax professional.

Flexibility in Use: Funds from a HELOC can be used for various purposes, such as home renovations, education expenses, or consolidating higher-interest debt.

No Draw Fees: Many HELOCs don't charge fees for withdrawing or repaying funds, which can save money compared to other credit options.

Potential for Fixed Rates: Some HELOCs offer the option to convert part of the balance to a fixed interest rate, providing stability against fluctuating rates.

Improved Cash Flow: By using a HELOC, you can maintain better cash flow by accessing funds only when necessary and repaying them over time.

OUR TESTIMONIALS

What do other homeowners have to say about us?

"We were in good hands"

-Bijan

"I cannot say enough about west capital lending. Sean, Eric, and associates are straight up honest people. They really worked hard for our loan and were successful. My family has worked with them in the past and is our go to company when we need results. They are very knowledgeable and patient. I felt as though I was in good hands the entire time. We are so grateful for west capital lending."

"I cannot imagine a better lender"

-Colin Piotrowski

"Sean never fails to impress us. We always feel like he's getting us good deals. One discount there, big discount that, one's free here, and it goes on. I've worked with Sean in the last 10 years. Every deal we've done together (which is probably like 5 times) I come out elated - feeling like we got this deal for a steal, and/or locked the best low rate."

"Above & Beyond"

-Kyle & Hayley Maddux

Sean went above and beyond for us. We have a unique lending situation being self-employed. We also wanted a specific rate and term that was a bit out of the ordinary. Sean was able to get us everything we needed to make our dream home happen.

24 Executive Park #250, Irvine, CA 92614

License Information - For complete license information, click here to visit our Licensing Page.

WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.

2024

West Capital Lending, Inc.

NMLS Consumer Access