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
No hard credit pull • No obligation • Powered by Deephaven Mortgage
Avg. homeowner equity in the U.S.
$300,000+
$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
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.
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+
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+
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+
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
WHY CHOOSE DEEPHAVEN?
How We Stack Up
Against the Alternatives
STREAMLINED TIMELINE
From Application To Funding
In 4 Simple Steps
Apply in 5 Minutes
Complete our secure, streamlined online application from your phone or computer. Get started in minutes.
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.
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.
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.
No hard credit pull • No obligation
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.
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.
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.
No. The initial online application uses a soft credit check to see your pre-qualification limits—it will not impact your credit score.
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.)
Credit lines range from a minimum of $50,000 up to $1,000,000, depending on your home's equity and financial profile.
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.
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 cash is required at the closing table. All standard closing fees are simply deducted directly from your initial loan draw.
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.
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.
No hard credit pull • No obligation • Powered by Deephaven Mortgage
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 NMLS# 1683567 · Licensed in Florida. This is not a commitment to lend. All loans subject to approval. Program and rates subject to change without notice. Not available in all states.
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