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    HELOC. Revolving Access to Your Home Equity.

    Access your equity without disturbing your existing mortgage rate. The ideal solution for homeowners with historically low rates.

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    PRESERVE YOUR RATE

    You Refinanced at 3%. Keep It.

    Millions of homeowners are sitting on record levels of equity but refuse to access it because they don't want to give up a historically low first mortgage rate. A Home Equity Line of Credit (HELOC) solves this.

    By placing a revolving line of credit in second position, your first mortgage remains completely untouched. You only pay interest on the funds you actively draw, making it the most efficient way to access capital for business investment, real estate acquisition, or liquidity reserves.

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    How We Qualify Complex Income

    Conventional HELOCs require W-2s and tax returns. Our programs are built around how self-employed and high-net-worth individuals actually hold their wealth.

    QUALIFICATION PATH
    HOW IT WORKS
    Bank Statement (12 or 24 Month)
    We use personal or business bank deposits to calculate income, bypassing tax returns entirely. Ideal for business owners who maximize write-offs.
    DSCR (Investment Properties)
    Qualify based purely on the cash flow of the investment property itself. No personal income calculations required.
    Asset Depletion
    For high-net-worth borrowers with significant liquid assets but low documentable monthly income. We divide eligible assets to create a qualifying income stream.
    1099 Only
    Independent contractors and freelancers can qualify using only their 1099 forms, without providing full tax returns.

    The CapitalSource HELOC Advantage

    We deliver structured equity solutions that go far beyond the strict limitations of retail banking.

    • High Credit LimitsAccess line amounts up to $2,000,000, providing serious capital for significant investments.
    • Flexible Property TypesAvailable on primary residences, second homes, and non-owner occupied investment properties.
    • Interest-Only Draw PeriodsMaximize cash flow by paying only the interest on the funds you actively use during the initial draw period.
    • No Tax Returns RequiredAlternative documentation paths mean your complex tax strategy won't stop your approval.
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    Frequently Asked Questions

    Ready to See What You Qualify For?

    Tell us about your situation. We'll identify the right structure and qualification path — and give you a clear picture of what's possible.

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