Home Equity Line of Credit (HELOC)

💳 Home Equity Line of Credit (HELOC) – Flexible Funding Powered by Your Home

Access Your Equity. Borrow Only What You Need. Close in as Little as 5 Days.

At Cap One Lending, we make it easy to unlock the value of your home with a Home Equity Line of Credit (HELOC). Whether you’re planning a remodel, consolidating debt, covering tuition, or funding a major purchase, a HELOC gives you quick, flexible, and affordable access to your home’s equity—without refinancing your existing mortgage.

✅ Borrow $50,000 to $500,000
✅ Up to 89.99% CLTV
✅ No application fees or closing costs
✅ Close in as little as 5 days

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💡 What Is a HELOC?

A Home Equity Line of Credit (HELOC) is a revolving credit line secured by the equity in your home. Like a credit card, you borrow only what you need—when you need it—and pay interest only on the amount you draw. This makes a HELOC one of the most flexible, low-cost financing tools available to homeowners today.

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✅ Key HELOC Benefits with Cap One Lending

• No Application or Closing Fees
• Access up to 89.99% Combined Loan-to-Value (CLTV)
• Variable Interest Rates tied to the WSJ Prime Rate
• Flexible Loan Terms – interest-only or full principal + interest
• Standalone HELOCs Available – keep your existing mortgage untouched
• Close in 5 Days – fast funding when you need it most
• Minimum FICO: 680

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🔁 Flexible Draw & Repayment Options

• Draw Funds When You Need Them – via checks, transfers, or online banking
• Interest-Only Payments available for qualified borrowers
• No Usage Requirement – draw $0 or the full line; it’s up to you
• Reuse the Line – as you repay, funds become available again

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🛠️ What Can You Use a HELOC For?

🏠 Home Improvements
Update your kitchen, add a deck, or finish your basement.

💳 Debt Consolidation
Pay off high-interest credit cards or loans with one low-rate solution.

🎓 Education Costs
Finance college tuition or private school expenses.

🩺 Medical Expenses
Cover unexpected bills or elective procedures.

💼 Business Funding or Investment
Use your equity to launch or expand your business—or invest in new opportunities.

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📋 HELOC Program Highlights

Feature	Details
Loan Amounts	$50,000 – $500,000
Maximum CLTV	89.99%
Minimum FICO Score	680
Repayment Options	Interest-only or Principal + Interest
Eligible Properties	1–4-unit primary residences, condos, PUDs
Rate Type	Variable (WSJ Prime Rate-based)
Tax Deductibility	Interest may be tax-deductible (consult your CPA)

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🏆 Why Choose Cap One Lending?

• Fast Closings – Access your equity in just 5 days
• No Hidden Fees – No application or closing costs
• Personalized Support – Talk to a real person, not a call center
• Experience You Can Trust – Our experts guide you every step of the way

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📞 Ready to Put Your Equity to Work?

Let Cap One Lending help you tap into the equity you’ve built—without refinancing your first mortgage. With fast approvals and flexible options, we make accessing your equity simple, affordable, and smart.

📲 Call us at 816-905-1111
🌐 APPLY HERE

Cap One Lending – Fast. Flexible. Equity on your terms.