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 $500K.
Pure Speed: Apply online & pre-qualify in minutes
Full Spectrum: Works for W2, 1099, & Self-Employed
No Appraisal Required: For loans under $500,000
Human Support: 1-on-1 expert guidance whenever you need it
No hard credit pull • No obligation • Powered by REMN
Avg. homeowner equity in the U.S.
$300,000+
$25K – $750K
Flexible Line Sizes
5-Year Draw
Flexible Draw Period
$0 Upfront
Fees Netted From Line
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 REMN HELIX?
How We Stack Up
Against the Alternatives
Feature
REMN Helix 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 $500K
In-Person Required
• $500+ cost & delays
In-Person Required
• Full onsite inspection
None Required
• Unsecured loan
Income Verification
Full Spectrum
• W-2, Self-Employed, or Fixed Income
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 REMN HELIX?
How We Stack Up
Against the Alternatives
STREAMLINED TIMELINE
From Application To Funding
In 4 Simple Steps
Apply in 3 Minutes
Complete a quick, secure online form right from your phone or computer.
Instant Decision
See your pre-qualified equity line options instantly with zero impact on your credit score.
100% Digital Setup
Securely link your accounts to verify your info without printing a single document.
Funded in 7 Days (Avg)
Receive your capital fast. Draw 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 lend on a wide range of residential property types, including standard single-family homes, townhomes, PUDs, both warrantable and non-warrantable condos, factory-built modular homes, and properties with ADUs (the ADU cannot be the primary subject property). 2-4 unit multi-family properties are also eligible for borrowers with a minimum FICO score of 640.
Getting your initial offer won’t hurt your credit. We perform a soft credit pull to show you your pre-qualified offer. We only perform a hard credit inquiry, which can affect your score, after you officially accept your offer and consent to move forward with the application.
The rate is variable throughout the life of the loan and adjusts in tandem with the prime rate.
Before your loan funds, you can securely connect your preferred bank account in the portal. Once it is time to disburse your money, we will send your funds electronically via Automated Clearing House (ACH) or Real-Time Payments (RTP). If you choose not to connect a bank account, we will automatically mail you a check.
You can access a credit line anywhere from $25,000 up to $750,000, depending on your home’s equity and your financial profile. If you need a line amount greater than $500,000, a minimum credit score of 720 and a full home appraisal are required.
Yes, you’re required to take an initial draw of 75% of your approved line amount at closing. After that, you’re free to draw the rest whenever you need it.
To qualify, you need a minimum credit score of 600. We lend on single-family homes, townhomes, condos, and 2-4 unit residential properties. We’re unable to lend on commercial properties, vacant land, or manufactured homes.
Not at all. You can securely connect your bank accounts or your tax software to verify income digitally—no piles of paperwork required.
Helix offers a fast, modern digital application, but we back it up with real human support. You have access to live chat, phone support, and dedicated HELOC specialists. Our team can even use screen-sharing to see exactly what you are seeing on your end, helping to quickly resolve any roadblocks.
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 REMN
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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