Tap into your home equity — on your terms.
A HELOC lets you borrow against the equity you've built, as you need it — while keeping the mortgage rate you already locked in. See what's possible in about a minute.
- No SSN required to start
- Checking won't affect your credit
- No obligation
See what you could access
Drag to match your situation — we'll carry your numbers into the application.
Flexible by design
Unlike a lump-sum loan, a line of credit sits ready until you need it — and you only pay interest on what you actually use.
Keep your current mortgage
A HELOC sits behind your existing loan, so the low first-mortgage rate you locked in stays exactly where it is.
Draw only what you need
Take $5,000 now and more later. Interest applies to your balance — not the full line.
Reuse as you repay
It's revolving, like a credit card secured by your home — pay it down and the room to borrow comes back during your draw period.
Use it for what matters
Renovations, consolidating higher-interest debt, tuition, a safety net — your equity, your call.
Three steps, no runaround
Answer a few questions
About 60 seconds — your property, your numbers, your goal. No SSN, no credit pull to see where you stand.
Talk options with a loan officer
A Dynagen loan officer reviews your scenario and walks you through what you qualify for — usually the same business day.
Close and access your line
Finish the application, sign, and your line of credit is ready to draw when you are.
Put idle equity to work
Fund the renovation, raise the value
Kitchens, roofs, additions — draw as contractor invoices come in instead of borrowing everything up front.
Trade high-interest balances for one payment
Roll credit cards and personal loans into a single, typically lower-rate payment secured by your home.
A ready line for whatever's next
Tuition, medical bills, a bridge between homes, or simply a cushion you hope you never touch.
HELOC vs. the alternatives
| HELOC | Cash-out refinance | Personal loan | |
|---|---|---|---|
| Keeps your current mortgage rate | ✓ | ✗ | ✓ |
| Draw funds as you need them | ✓ | ✗ | ✗ |
| Pay interest only on what you use | ✓ | ✗ | ✗ |
| Secured by home equity (typically lower rates than unsecured debt) | ✓ | ✓ | ✗ |
| Borrowing power grows with your equity | ✓ | ✓ | ✗ |
General comparison for education only — the right fit depends on your rates, balances, and goals. A Dynagen loan officer will walk through the actual numbers with you.
