Wipe Out 24%
High-Interest Debt.
Without Touching
Your Mortgage.
Florida homeowners: Consolidate credit cards, personal loans, or rising bills into one low monthly payment. Get approved in minutes without touching your primary mortgage rate.
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. Florida homeowner equity
$300,000+
$25K – $750K
Flexible Line Sizes
5-Year Draw
Flexible Draw Period
$0 Upfront
Fees Netted From Line
0% Penalty
No Prepayment Penalties
SMART PAYOFFS
What Are You
Consolidating?
Swap multiple high-rate payments for one manageable equity line. Pay off your highest liabilities first and save hundreds monthly on interest.
High-Interest Card Debt
Wipe out variable interest rates averaging 20-25% across multiple cards. Consolidate them into a single, much lower fixed-margin equity line to protect your credit score and clear balances faster.
Typical balance: $15K - $60K+
Personal & Auto Loans
High-rate personal signature loans or costly vehicle balances eat up monthly cash flow. Clear those rigid installment obligations early with zero prepayment penalties on your new line.
Typical balance: $20K - $75K+
Rising Cost Relief
Florida homeowners are facing sudden spikes in property taxes and home insurance premiums. Use flexible equity access to handle lump-sum bills instantly without draining your primary savings account.
Typical balance: $5K - $25K+
WHY CHOOSE REMN HELIX?
How Your Options
Actually Compare
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 LOSS
• Forces today's high rates
0% Impact
• No effect on mortgage
Out-of-Pocket Costs
$0 Upfront
• Netted from line proceeds
$500+ Out-of-Pocket
• Upfront appraisal costs
Thousands Upfront
• Heavy bank closing costs
Hidden Fees
• High origination fees
Monthly Payment Impact
Massive Drop
• Cuts out 20%+ card rates
Slow Relief
• Interest compounds during wait
Bill Explodes
• Raises rate on entire home debt
High Payments
• Short payoff terms stretch budget
Time to Funds
7 Days (Avg)
• 100% digital speed
45-60 Days
• Painful red tape & delays
30-45 Days
• Exhaustive underwriting cycle
2-3 Days
• Fast, but extremely expensive
Borrowing Power
High Limits
• Unlock up to $750K in equity
High Limits
• Capped by strict bank rules
High Limits
• Erases primary mortgage history
Very Low
• Capped by signature limits
WHY CHOOSE REMN HELIX?
How We Stack Up
Against the Alternatives
FINANCIAL FREEDOM
From Application to Payoff
in 4 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 to pay down high-interest balances and reclaim your monthly cash flow.
No hard credit pull • No obligation
FREQUENTLY ASKED QUESTIONS
Got Questions?
We Have Answers.
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.
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.
Our standard HELOC features a 5-year draw period during which you are only required to make interest-only payments. This is followed by a 25-year repayment period where you will pay back both the principal and the interest. (Note: Properties in Tennessee feature a 10-year repayment period.)
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.
Absolutely. During the application, you can select which existing debts you’d like to pay off to help lower your monthly obligations. We handle those payoffs directly, so your creditors get paid quickly and you don’t have to manage it yourself.
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 debt consolidation options in minutes. No hard credit pull. No obligation.
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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