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Need a Home Equity Line of Credit? Say No More!

Unlock Your Home Equity With Speed, Flexibility, and Control


What is a Home Equity Line of Credit (HELOC)?  Our access to HELOCs is a modern way of borrowing equity designed for homeowners who want fast access to cash without refinancing their current mortgage, looking for the best interest rates in the market, or the lowest fees charged. Our professional Home Loan Consultants can guide you through what is best for you!  A HELOC is perfect for rising-rate environments, renovation projects, debt consolidation, or building a financial safety net while giving you the power to tap into your home’s value on your terms.


⭐ Why Homeowners Love our access to HELOCs


✔ Keep Your Existing Low Rate:  No need to touch your first mortgage. Access equity without resetting your rate or extending your mortgage term.


✔ Fast Approvals & Easy Digital Experience:  Built for today’s homeowner, some of our HELOCs we connect you to offer:

  • Quick online applications
  • Rapid income and asset verification
  • Streamlined underwriting
  • Same-week approvals in many cases


✔ Flexible Credit Line Options:  Borrow what you need, when you need it:

  • Lines starting as low as $20,000
  • Limits up to $500,000+ (varies by state, credit, and property)
  • Interest-only payment options during the draw period


✔ Competitive Rates

Lower rates than personal loans or credit cards, with no prepayment penalties and transparent pricing.


✔ Ideal for Big Goals

  • HELOCs can be used for:
  • Home renovations
  • ADU construction
  • Debt consolidation
  • Tuition
  • Investments
  • Emergency reserves
  • Down payment on another property


✔ Works for Hawai‘i & other High-Cost Markets

Designed to support homeowners in markets like Honolulu, where home values are high and flexibility matters.

💡 Simple, Smart, and Built for Homeowners

The HELOCs our Home Loan Consultants have access to combine speed, security, and simplicity - giving you direct access to home equity without disrupting your primary mortgage. Whether you’re upgrading your home, managing life expenses, or planning for the future, it’s one of the easiest and most cost-effective ways to use your home’s value.

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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