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HELOC Loans

Homeowners can keep their first-mortgage loans intact and tap their home equity through Preferred Rate’s Equity Access Program.

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A charming two-story house featuring a spacious front porch, large windows, and a well-maintained lawn, ideal for HELOC loan considerations.

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Trusted financial services logo for competitive loan and mortgage rates.

Top military lender

NMP

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The Preferred Rate logo displayed on a financial services platform emphasizing competitive mortgage and loan options.
Preferred Rate logo on a professional financial website.
Trusted financial services logo for competitive loan and mortgage rates.

Top mortgage lender

Scotsman guide

Preferred Rate logo on a professional financial website.
The Preferred Rate logo displayed on a financial services platform emphasizing competitive mortgage and loan options.
Preferred Rate logo on a professional financial website.
Trusted financial services logo for competitive loan and mortgage rates.

5-Star Lender

MPA

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The Preferred Rate logo displayed on a financial services platform emphasizing competitive mortgage and loan options.

TOP LENDER

CALHFA

TOP EMPLOYER

DIVERSITY JOBS

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Trusted mortgage services by Preferred Rate for competitive rates and expert guidance.

TOP 100 MORTGAGE COMPANIES

MORTGAGE EXECUTIVE

5-STAR LENDER

Mortgage Professional America

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The Preferred Rate logo showcases a professional financial services brand specializing in mortgage and loan solutions.

TOP 250 LATINO MORTGAGE ORIGINATORS

NAHREP

MOST LOVED MORTGAGE EMPLOYERS

NMP

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Trusted mortgage and financial services provider logo for optimal home loan solutions.

TOP MORTGAGE LENDER

Scotsman Guide

TOP MILITARY LENDER

NMP

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Trusted mortgage and financial services provider logo for optimal home loan solutions.

TOP 15 VA LENDER

Scotsman Guide

Product highlights

  • Maximum credit line up to $750,000 (based on equity and credit)
  • Available for primary, second homes, and investment properties
  • Available as stand-alone HELOC or purchase piggy-back
  • Multiple term options available
  • Flexible draw options available
Borrower advantages
  • Access their equity when they need it
  • Only pay interest on outstanding balance
  • Use as an emergency fund for unexpected expenses or repairs
  • Interest may be tax deductible*
Realtor advantages
  • Help your clients access their equity for a home purchase
  • Allow clients who don’t want to move to tap their equity for improvements or renovations
  • Assist clients as they access their equity for other personal reasons, while keeping their low first mortgage intact
Preferred Rate helps first-time homebuyers with easy mortgage options.
Jessica Thompson shares her positive experience with Preferred Rate for her first home purchase.

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Beautiful blue house featuring a secure lock program for enhanced home safety.
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