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Need a Home Equity Loan? We Can Guide You!

The HELOAN - A Fast, Fixed-Rate Way to Tap Your Home Equity


The Home Equity Loan (HELOAN) is a simple, fast, fully digital way for homeowners to access the equity in your property with a fixed rate, fixed payment, and fixed term. Designed for speed and transparency, HELOANs offer one of the most modern lending experiences in the industry - making it ideal for homeowners who want predictability and fast cash without refinancing their current mortgage.


⭐ Why Homeowners Choose a HELOAN


✔ Fixed Rates & Fixed Monthly Payments:  Unlike a HELOC with variable rates, the HELOAN gives you:

  • A locked-in interest rate
  • Monthly payments that never change
  • Clear payoff timelines with terms commonly 5, 10, 15, or 30 years
  • Perfect for clients who want stability and predictable budgeting.


✔ Fast Funding — Often in Days:  the HELOAN we have access to is known for its lightning-fast process:

  • Online application takes minutes
  • Instant income & asset verification
  • Quick appraisal alternatives in many cases
  • Funding can arrive in as little as 5 days
  • Great for homeowners who need funds quickly.


✔ No Need to Refinance Your First Mortgage:  Keep your existing first mortgage rate - especially important in today’s higher-rate environment.  You simply add a second-position fixed-rate loan on top of your current mortgage.


✔ Borrow Large Amounts With No Surprises

  • Loan amounts typically from $15,000 to $400,000+ (varies by market)
  • Fixed interest rate from day one
  • No hidden fees
  • No prepayment penalties


✔ Perfect for Big Financial Goals: Homeowners use the Figure HELOAN for:

  • Home improvement or ADU construction
  • Debt consolidation
  • Business funding
  • Education expenses
  • Down payments on new property
  • Investment opportunities
  • Emergency reserves


✔ 100% Online Experience:  From application to approval to funding, the HELOAN we access to has a process that is:

  • Digital
  • Fast
  • Transparent
  • Mobile-friendly

No branch visits or long underwriting delays.


💡 A Smart, Predictable Way to Use Your Home Equity

The HELOAN combines fixed-rate security with modern speed and convenience. Homeowners get the stability of a traditional second mortgage with the ease of a fully online process — making it one of the best home-equity solutions for today’s market.

Take your career and
expertise to a new level!

Schedule a Consultation with your favorite Home Loan Consultant to get your HELOC TODAY!

Olivia Borges

Home Loan Consultant,
Home Loan Headquarters

Mortgage Loan Originator,
Empire Home Loans, Inc.
NMLS 1246097
Br. NMLS 2696870
Co. NMLS 1839243

Sonya Spitznas

Home Loan Consultant,
Home Loan Headquarters

Mortgage Loan Originator,

Empire Home Loans, Inc.

NMLS 1960592
Br. NMLS 2696870
Co. NMLS 1839243

Alexis De La Paz

Home Loan Consultant,
Home Loan Headquarters

Mortgage Loan Originator,

Empire Home Loans, Inc.

NMLS 2678281
Br. NMLS 2696870
Co. NMLS 1839243

Jennifer Alegre

Home Loan Consultant,
Home Loan Headquarters

Mortgage Loan Originator,

Empire Home Loans, Inc.

NMLS 1936319
Br. NMLS 2696870
Co. NMLS 1839243

Rick Yniguez

Executive Director and Creator,

Home Loan Headquarters

Mortgage Loan Originator,
Empire Home Loans, Inc.
NMLS 1823240
Br. NMLS 2696870
Co. NMLS 1839243

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