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HELOC Financing for Your Project

Fund Your Project.
No Refinancing
Required.

Tap into your home equity to fund an ADU, remodel, or pool—while keeping your low mortgage rate completely intact. Get fast online approval with zero traditional appraisal hurdles under $400K.

  • Pure Speed: Apply online & pre-qualify in minutes
  • Full Spectrum: Works for W2, 1099, & Self-Employed
  • No Appraisal Required: For loans under $400,000
  • Human Support: 1-on-1 expert guidance whenever you need it
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No hard credit pull • No obligation • Powered by Deephaven Mortgage

Beautiful Florida home with pool
Avg. homeowner equity in the U.S.
$300,000+
§3 · Stats Bar
$50K – $1M
Flexible Line Sizes
5-Year I.O.
Interest-Only Draw Window
$0 Down
No Out-Of-Pocket Cost
0% Penalty
No Prepayment Penalties
§4 · Project Niches
Popular Projects

What Are You
Building?

A HELOC is the smart way to fund major home projects — borrow what you need, when you need it, and only pay interest on what you use.

ADU backyard cottage
ADU Builds
Accessory Dwelling Units
Fund your custom ADU build—whether it's a guest suite, garage conversion, backyard cottage, or a place for aging parents—all without touching your low first mortgage rate.
Typical project: $100K – $250K+
Luxury kitchen renovation
Remodels
Major Remodels
Transform your current living space. Perfect for high-end kitchen remodels, major bathroom renovations, structural additions, or basement completions where funds flow easily as milestones are hit.
Typical project: $50K – $150K+
Custom swimming pool build
Pool Builders
Swimming Pool Construction
A backyard oasis is the perfect HELOC use case. Secure predictable financing for custom pool builds, patios, and outdoor kitchens, drawing funds precisely as your builder hits construction phases.
Typical project: $75K – $150K+
§5 · Comparison Table
WHY CHOOSE DEEPHAVEN?

How We Stack Up
Against the Alternatives

Feature Deephaven Equity Advantage HELOC Traditional Bank HELOC Cash-Out Refinance Personal Loan
First Mortgage Impact 0% Impact
• Keeps your low rate		 0% Impact
• Keeps your low rate		 MASSIVE
• Forces today's high rates		 0% Impact
• No effect on mortgage
Property Appraisal No In-Person Visit
• Digital AVM under $400K		 In-Person Required
• $500+ cost & delays		 In-Person Required
• Full onsite inspection		 None Required
• Unsecured loan
Income Verification Full Spectrum
• W-2, P&L, or Bank Statements		 Strict W2 Focus
• Heavy tax return scrutiny		 Rigid DTI Rules
• Strict debt-to-income caps		 Rigid Underwriting
• Strictly relies on W2
Application Process 100% Digital
• Streamlined online portal		 Paper-Heavy
• In-person branch visits		 Full Processing
• Lengthy underwriting		 Digital
• Fast setup
Interest Rate / APR Competitive
• Secured by equity, keeping rates sharp		 Variable
• Rates can fluctuate or scale higher based on tier		 Market Average
• Ties up your entire home debt at today's rates		 Typically Higher
• Higher interest rates than home equity
§6 · How It Works
STREAMLINED TIMELINE

From Application To Funding
In 4 Simple Steps

1
Apply in 5 Minutes
Complete our secure, streamlined online application from your phone or computer. Get started in minutes.
2
See Your Pre-Approval
Review your pre-qualified line of credit amount instantly. Checking your rate uses a soft credit check and will not impact your credit score.
3
Link Accounts Digitally
Enjoy a 100% digital experience. Securely link your income or bank statements instantly using our automated portal to skip the paperwork friction.
4
Get Funded in 2 Weeks or Less
Access your home equity line of credit in 2 weeks or less. Draw exactly what you need to kickstart your project immediately.
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No hard credit pull • No obligation

§7 · FAQ
Frequently Asked Questions

Got Questions?
We Have Answers.

It is a standalone line of credit that lets you borrow against your equity without changing your current low-interest primary mortgage. You get a 30-year term: a 5-year interest-only period (pay only on what you draw), followed by a 25-year repayment period.
Credit lines range from a minimum of $50,000 up to $1,000,000, depending on your home's equity and financial profile.
We offer high flexibility. You can fund projects on Primary Residences, Second Homes, and Investment Properties—including single-family homes, townhomes, PUDs, 2–4 unit multi-family properties, and condos.
Not for lines under $400,000! We use an advanced automated digital valuation system (AVM) to verify your home's worth instantly—no scheduling delays, no cost, no hassle of an interior appraisal. Lines over $400K require a standard appraisal.
For W-2 and self-employed borrowers using our secure, automated digital verification tools (like Plaid), funding is typically 2 weeks or less. Complex scenarios requiring manual underwriting or physical statement reviews typically take 3–4 weeks.
Yes. This program is built for business owners and freelancers. If you don't have standard W-2s, we can verify your income safely and quickly using 12 months of personal or business bank statements, or a 1-year P&L.
No. The initial online application uses a soft credit check to see your pre-qualification limits—it will not impact your credit score.
No cash is required at the closing table. All standard closing fees are simply deducted directly from your initial loan draw.
No. There are zero prepayment penalties if you pay your balance off early, zero annual account fees, and zero per-check usage fees. (Note: A minimum 80% initial draw of your total credit line is required at closing.)
Absolutely. Our online portal includes a built-in debt consolidation tool. Paying off high-interest credit cards or personal loans through your HELOC can lower your monthly debt-to-income ratio, making it even easier to qualify.
§8 · Final CTA
Ready to Start?

Put Your Home Equity
To Work.

See your personalized HELOC offer in minutes. No hard credit pull. No commitment. Just absolute clarity on what your home can fund for your next project.

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No hard credit pull • No obligation • Powered by Deephaven Mortgage

§9 · Profile & Footer
Ronald Manansala
Ronald Manansala
Loan Officer

With six years of direct underwriting experience, I know exactly how to navigate guidelines, avoid roadblocks, and keep your funding on track. As a Florida Licensed Mortgage Originator, I am committed to making your home equity financing simple, clear, and completely stress-free from application to funding.

ronald.manansala@loanfactory.com Book a Call
Ronald Manansala · NMLS# 1683567  |  Loan Factory · NMLS# 320841  |  Licensed in FL