HELOC · California · Mortgage broker
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What is a HELOC?
A HELOC (home equity line of credit) is a revolving line of credit secured by the equity in your home. Like a credit card, you borrow what you need, repay it, and draw again up to your limit during the draw period — usually at a lower rate than unsecured credit because your home backs the line.
As an independent California mortgage broker, S.O.S. Loans matches homeowners with leading equity lenders to put that equity to work.
- check_circleBorrow $15,000 to $750,000
- check_circleUp to 85% of your home’s value
- check_circleDraw, repay, and redraw as needed
- check_circleKeeps your first mortgage in place
- check_circleInterest only on what you draw
- check_circle100% online — funded in as few as 5 days
- check_circleNo appraisal required under $400K
Popular ways Californians use a HELOC
Make home improvements
Fund renovations and repairs that increase your home’s value and your enjoyment.
Build an ADU
Finance an accessory dwelling unit to add space, rental income, or room for family.
Tackle debt
Consolidate higher-interest balances into one lower-rate line secured by your home.
Fund education
Cover tuition and education costs on your schedule.
Cover a major expense
Access funds for large, planned expenses when you need them.
Fund a small business
Put your equity to work for your business goals.
How does a HELOC work with S.O.S. Loans?
An independent California broker with a fast, 100% online HELOC process.
Complete our 100% online form
No in-person appraisal under $400K, and prequalifying won’t affect your credit score.
Approved in minutes, funded in as few as 5 days
Borrow from $15,000 to $750,000 with a single origination fee and online notary closing.
Redraw up to 100%
As you repay principal, those line funds automatically become available to borrow again.
lockChecking your options won’t affect your credit score.
How does a Digital HELOC compare against other options?
Explore your options and see why a straightforward online form, quick funding, and competitive rates make a digital HELOC the smart choice for your financial needs.
| Feature | Digital HELOC | Bank HELOC | Cash-out refi | Personal loan |
|---|---|---|---|---|
| 100% online application | check_circle | cancel | cancel | check_circle |
| Funds in as few as 5 days | check_circle | cancel | cancel | check_circle |
| Revolving — draw & redraw | check_circle | check_circle | cancel | cancel |
| Keeps your low first-mortgage rate | check_circle | check_circle | cancel | check_circle |
| Secured by home equity (lower rates) | check_circle | check_circle | check_circle | cancel |
| No prepayment penalty | check_circle | remove | remove | remove |
| Potential tax deduction* | check_circle | check_circle | check_circle | cancel |
*Interest may be tax-deductible when funds are used for home improvement. Consult a tax professional.
What our clients say
“Great experience! I utilized their reverse mortgage service for my house in Palm Springs. Couldn’t have been an easier process with great customer service. Can’t recommend SOS Loans enough!”
“I have used SOS multiple times over the last 5-7 years. They are very fast, efficient, and friendly.”
“SOS loans made getting my personal loan very fast and easy! I appreciate the use of different communication modalities to get my loan with my busy schedule as well! Thank you SOS for helping me out in a bind 🙏”
“SOS Loans has the BEST customer service! They took care of all my worry. Whenever I had a need they were right there to solve it. Their process is really confidential, safe, and easy.”
“S.O.S. Loans provides excellent customer service. The application and approval process is both simple and efficient. They will work with you to align due dates. And are very responsive to all requests. A pleasure to do business with.”
“I applied for a loan and was approved the same day!! I was able to get my money within 24 hours. Great rates on loans as well. 10/10 would recommend if looking for a loan with low credit.”
Top California HELOC FAQs
What is a HELOC?
How much can I borrow?
Will checking my rate affect my credit?
How fast is funding?
What can I use a HELOC for?
Your line of credit is handled by
H. Frank Stiebel · NMLS #2236554
Ready to leverage your home equity?
Take the guesswork out of your home’s worth and find out exactly how much cash you can access. Tap the link below to get your fast online quote, or connect with an S.O.S. Loans expert right now by phone or text message.
Get my HELOC quote