A Home Equity Line of Credit (HELOC) allows you to tap into your home's equity without replacing your current mortgage. Whether you're planning renovations, consolidating debt, purchasing an investment property, or preparing for life's next opportunity, a HELOC provides flexible access to funds when you need them.

At Pure Funding Mortgage, we offer HELOC solutions in every state where we're licensed, helping homeowners find financing that fits their goals with competitive options and personalized service.

What is a HELOC?

A Home Equity Line of Credit is a revolving line of credit secured by your home's equity. Unlike a traditional loan, you can draw funds as needed during the draw period, giving you flexibility and control over how you use your available equity.

Common Uses for a HELOC

• Home renovations and remodeling

• Debt consolidation

• Purchasing investment properties

• Business or entrepreneurial expenses

• Education costs

• Emergency expenses

• Major life events or large purchases

Why Choose Pure Funding?

We believe financing should be simple, transparent, and tailored to your financial goals.

Local Expertise, Multi-State Service

Our experienced mortgage professionals proudly help homeowners in every state where Pure Funding is licensed.

Competitive Lending Options

We partner with a broad network of lenders to provide flexible HELOC solutions designed to meet a variety of financial needs.

Personalized Guidance

Every homeowner's situation is unique. We'll help determine whether a HELOC or another financing option is the best fit for your goals.

Fast, Responsive Service

From application to closing, our team is committed to making the process smooth, efficient, and stress-free.

HELOC Highlights

Program options may include:

• Credit lines from $5,000 to $400,000

• Primary residences

• Second homes

• Investment properties

• First or second lien position

• Flexible draw periods

• Revolving access to available funds

Programs and guidelines vary by lender and state.

State-Specific Guidelines

Home equity lending regulations can vary by state. For example, Texas limits HELOCs to a maximum 80% Combined Loan-to-Value (CLTV) and has additional constitutional requirements for home equity lending.

Our team understands these state-specific guidelines and will help you identify the best options available based on your property and location.

HELOC vs. Cash-Out Refinance

A HELOC is often a great option if you want to keep your existing first mortgage, especially if it has a favorable interest rate. Instead of replacing your mortgage, a HELOC provides a separate line of credit that you can use as needed.

If refinancing your entire mortgage makes more sense, we'll walk you through both options so you can make an informed decision.

Frequently Asked Questions

How much can I borrow?

Your available credit depends on your home's value, existing mortgage balance, income, credit profile, and program guidelines.

Can I keep my current mortgage?

Yes. One of the biggest advantages of a HELOC is that it typically allows you to retain your existing first mortgage.

Are HELOC interest rates fixed?

Many HELOCs have variable rates, while some programs offer fixed-rate options on outstanding balances.

Can I use a HELOC for an investment property?

Yes. Eligible investment properties may qualify under certain programs.

Why Homeowners Choose Pure Funding

• Licensed in multiple states

• Access to a large network of wholesale lenders

• Competitive financing options

• Personalized mortgage strategies

• Responsive communication

• Experienced mortgage professionals focused on your success

Ready to Put Your Home's Equity to Work?

Whether you're improving your home, consolidating debt, or investing in your future, Pure Funding is here to help.

Start Your HELOC Application Today