Keep the Rate You Earned. Access the Equity You've Built.

If you refinanced when rates were historically low, touching that first mortgage isn't an option. A HELOC gives you access to your equity without changing what's already working.

micro-text: Secure intake · No obligation · No credit impact

A Revolving Line of Credit. Your First Mortgage Stays Untouched.

A HELOC sits on top of your existing mortgage leaving your rate and terms completely intact. You draw what you need, when you need it. You pay interest only on what you use. Your first mortgage never changes.

For borrowers who locked in low rates and now need liquidity, this is the most frictionless path available. There is no refinance.

There is no rate disruption. There is only access to what you've already built.

A Focused Consumer Brand. A Complete Production Platform.

CapitalSource structures cash-out refinances across a full non-QM qualification stack. Approval can be based on bank deposits, property cash flow, asset reserves, or equity position.

  • Conventional, FHA, VA, Jumbo

  • Purchase transactions

  • Investor and DSCR products

  • HELOC, cash-out refinance, reverse mortgage

  • Full non-QM qualification stack across all loan types

Your clients see a focused specialist. You have the tools of a full-service platform.

We Qualify the Borrower Not Just the Pay Stub.

Most banks offer HELOCs only to borrowers with clean W-2 income. CapitalSource structures HELOC

solutions across multiple qualification paths including programs that don't require traditional income

documentation at all.

  • Bank Statement (12 or 24 month) — for self-employed borrowersBullet List 2

  • Asset Depletion / Asset Qualifier — for asset-rich borrowers with limited verifiable income

  • No Ratio — equity and asset-based, income not calculated

  • VOE (Verification of Employment) — for W-2 borrowers with income complexity

COMPLIANCE: Certain programs may not require traditional income documentation. All loans subject to eligibilityguidelines and credit approval.

The Right Tool for the Right Situation.

  • You have a low first mortgage rate and won't give it up

  • You need flexible, ongoing access to capital — not a one-time lump sum

  • You're self-employed or have non-traditional income documentation

  • You're funding a business, investment, renovation, or liquidity need

  • You want to stay inside your existing mortgage structure

CapitalSource is a dba of EquitySource.
EquitySource operates as a mortgage broker and direct lender licensed by the California Department of Financial Protection and Innovation (License No. 60DBO-112262) and the California Department of Real Estate (Broker License No. 02111255).
NMLS ID 1936121.

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