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The fastest, simplest way to get your home equity line

A home equity line of credit from Synergy One Lending offers the flexibility you need. No SSN required. Zero Impact to credit. Your Information is never sold.

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“My wife and I were so impressed with the speed and ease of the Synergy One HELOC program. Everything was quick and paperless. Everything was simple and clear every step of the way. Good job! I would recommend this program to anyone.”

“My wife and I were so impressed with the speed and ease of the Synergy One HELOC program. Everything was quick and paperless. Everything was simple and clear every step of the way. Good job! I would recommend this program to anyone.”

“My wife and I were so impressed with the speed and ease of the Synergy One HELOC program. Everything was quick and paperless. Everything was simple and clear every step of the way. Good job! I would recommend this program to anyone.”

Yellow quote marks icon

“My wife and I were so impressed with the speed and ease of the Synergy One HELOC program. Everything was quick and paperless. Everything was simple and clear every step of the way. Good job! I would recommend this program to anyone.”

-Steve S.

No SSN required. Zero Impact to credit.
Your Information is never sold.

Pre-Approval in 5 minutes.
Funding in as few as 5 days§.

§ 5 Day Funding Not Eligible in Texas

S1L
HELOC		 Traditional
HELOC
  Pre-Approval Time 5-10 minutes 30-45 minutes
  Days to Fund As few as 5 days 45-60 days
  Rate Fixed Variable
  Minimum Loan Amount $25K $25K

Low
Fixed Rates

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No up front
costs

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Fully
Digital App

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Up to
$400,000

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Find My Rate

No SSN required. Zero Impact to credit.
Your Information is never sold.

What are the benefits of heloc and how are homeowners using heloc benefits?

  • Consolidate high-interest rate debt
  • Pay for home improvements
  • Pay for college tuition
  • Pay for wedding expenses
  • Finance new business venture
  • Coverage for sabbatical — take time off to support or care for family
Find My Rate

No SSN required. Zero Impact to credit.
Your Information is never sold.

HELOC Knowledge

What is a HELOC?

A home equity line of credit, or HELOC, lets you borrow against your home’s available equity. 

Your equity is determined by subtracting the value of your home from the mortgage balance owed. 

Additionally, you can build equity if the value of your home increases as a result of changes in the housing market or improvements you make to the property. 

How much can I borrow with a HELOC?

In most states, Synergy One Lending offers loans ranging from $20,000 to $400,000 with fixed terms of 5, 10, 15, and 30 years. 

At the time of funding, you will get the full amount of the loan proceeds, less the origination fee.

If you have any additional questions regarding eligibility or property requirements, please call us at 1-888-373-0535 or email us at loans@synergyoneheloc.com. 

What can I do with my HELOC funds?

You can utilize a home equity line of credit for things like debt consolidation, home improvements, or any other major purchase of your choice.

How can I qualify for a HELOC?

Applying for a HELOC with Synergy One Lending is fast and easy. Our application is fast, easy, and all online. Our application uses a soft-credit inquiry and an automated home valuation to provide you with an instant qualification decision. If pre-approved, you’ll be instantly presented with your offer options.

What is required to start the HELOC application process?
  • Only one owner may apply for and sign for the loan through Synergy One Lending; however, additional owners on the title must sign the mortgage documentation.
  • A minimum credit score of 640 is required. Applying won’t have an impact on your credit score. We pull what is called a soft inquiry. However, a hard inquiry will be pulled after selecting your rate and term, which could impact your credit score.
  • During the application process, we’ll electronically verify your assets and income. Please prepare your login information for your bank accounts (for assets), your payroll service provider (for income), or your tax provider (for tax returns). Please be advised that while you can manually upload these documents, doing so will cause the process to take longer.
  • Identity verification is necessary so please have a valid, US-issued ID on hand, such as a driver’s license, state ID, passport, or permanent resident card, as identity verification is necessary.

How do you know how much my property is worth?

Synergy uses an Automated Valuation Model (AVM) to calculate the worth of your property, eliminating the need for an in-person appraisal. This model takes into account metrics such as recent sales of similar properties, public data records, and historical price trends in the housing market to reach an assessment of your property’s worth.

Can I get a HELOC if I'm self-employed?

Yes, with our solution, self-employed individuals can access the equity in their homes. One of the most frequent uses of HELOCs by self-employed people is for business purposes. During the application process, we’ll attempt to electronically verify your income and assets. Please have your login information for your bank accounts (for assets) and tax provider login (for income). Please note that while you can manually upload these documents, doing so will cause the process to take longer.

Home Equity Loan or Refinance?

Considering a home equity loan or refinance? Synergy One Lending provides expert guidance to help you navigate these options. A home equity loan offers a straightforward way to borrow a specific amount with predictable payments, while a refinance can provide cash-out options and potentially adjust your interest rate or loan term. Trust our team at Synergy One Lending to offer personalized advice and transparent information, empowering you to choose the best path for your financial goals.

Home Equity Loan or Second Mortgage?

Considering a Home Equity Loan or Second Mortgage in Shoreline? Synergy One Lending offers clear, personalized guidance to help you understand the distinctions. A Home Equity Loan typically provides a fixed-rate lump sum, ideal for specific projects, while a Second Mortgage has its own terms and implications for your existing mortgage. Trust our Shoreline experts at Synergy One Lending to provide transparent insights and competitive rates, empowering you to choose the best option for your financial needs.

How Do I Qualify for a Heloc?

To see if you qualify for a HELOC with Synergy One Lending, we’ll assess factors like your home equity, stable income, healthy credit score, debt-to-income ratio, and payment history. Our transparent and personalized approach ensures we look at your complete financial picture to determine your eligibility. Click on our Apply Now button and you ca be qualified in as few as 5 days!

How Much Money can I Borrow with a Heloc?

The accessible amount is mainly based on your home equity, typically a percentage of its value minus your mortgage balance. Synergy One Lending also evaluates your credit, income, and debt-to-income ratio to establish your borrowing limit. Contact our experts for a personalized assessment of your potential HELOC funds.

What can I use Heloc for?

The possibilities are wide-ranging. Many Synergy One Lending clients utilize their HELOC for significant home improvements, such as kitchen or bathroom renovations, or for consolidating higher-interest debts into a more manageable payment. Others find a HELOC to be a useful tool for funding education expenses or covering unexpected medical bills. The flexibility of drawing funds as needed makes a Synergy One Lending HELOC a powerful financial resource for various needs.

Find My Rate

No SSN required. Zero Impact to credit.
Your Information is never sold.