Home Equity

Put your equity to work — without touching your first mortgage.

Many Bay Area homeowners are sitting on a low first-mortgage rate and a large amount of equity. A HELOC or home equity loan sits behind your existing loan, so that rate stays exactly where it is.

Second Lien

Home equity, structured properly

Lines of credit and fixed home equity loans for renovations, consolidation, education, or investment — with combined loan-to-value up to 90% on select programs for qualified borrowers. I’m approved with both traditional and fintech home equity lenders, so we can compare speed, cost, and structure side by side. Some approvals move in days rather than weeks on select programs.

What to have ready

  • A recent statement for your current mortgage
  • Your homeowners insurance declarations page
  • Proof of income: pay stubs and W-2s, or bank statements if you’re self-employed
  • A rough idea of your home’s value and what the money is for
Discuss your equity →

Equity Estimator

$1,500,000
$600,000
  • Total equity$900,000
  • Available at 80% of value
    both loans · most programs    $600,000
  • At 90% of value — select programs, qualified borrowers:$750,000
What’s the difference between a HELOC and a home equity loan?

A HELOC is a revolving line of credit secured by your home — you draw what you need, when you need it, typically at a variable rate. A home equity loan delivers one lump sum, usually at a fixed rate with fixed payments. Both sit behind your existing first mortgage, so the rate on your first loan stays untouched.

How much equity can I actually access?

Most programs lend up to 80% of your home’s value combined across all loans (CLTV); select programs go to 90% for qualified borrowers. For example, on a $1.5M home with a $600K balance, 80% CLTV would make up to $600K available. Program, credit profile, and property all affect the final number.

What do I need to qualify for a HELOC?

Broadly: meaningful equity in the home, a solid credit profile, and documented ability to repay. Requirements vary by program — and self-employed borrowers have options here too, including alternative documentation on select programs.

Is HELOC interest tax-deductible?

Sometimes. Under current federal rules, interest may be deductible when the funds are used to buy, build, or substantially improve the home securing the line, subject to limits. I’m not a tax advisor — please confirm how the rules apply to you with a tax professional.

Home equity lines of credit and home equity loans are secured by your home; failure to repay may result in the loss of your home. Estimates above are illustrative only — maximum line amounts depend on program, credit profile, and property.

Next step

Let’s talk through your scenario.

Tell me where you are: a house you’ve seen, a decline letter from a bank, or just a question. I’ll tell you plainly what’s possible and what it would take.

Start your application Contact Mehdi

Conversations available in English and Farsi. گفت‌وگو به زبان فارسی.