Get prequalified without impacting your credit score Get prequalified—no credit impact.

Access Up to $500K
From Your Home’s
Equity in Minutes

The Card by HomeLight Home Loans gives you instant access to your home equity at rates significantly lower than traditional credit cards. Get approved in minutes, not weeks.

Virtual card number instantly

Apply in less than 2 minutes

Up to $500K credit line

Get prequalified without impacting
your credit score

The Card by HomeLight Home Loans gives you instant access to your home equity at rates significantly lower than traditional credit cards. Get approved in minutes, not weeks.

Enter your phone number to check if you're prequalified

Don't worry, it won't affect your credit score

What you should know about Home Equity Lines of Credit.

Featured in

How it works?

Complete application in 2 minutes

Getting started is simple. Answer a few quick questions about your property and goals, and we'll guide you through the next steps toward accessing your home equity.

Get prequalified

See potential HELOC options available to you. Pre-qualification is fast, secure, and helps you understand what you may qualify for before moving forward.

Start using The Card

Start using your The Card to tap into your Home Equity with the convenience of a credit card. Access available funds on demand while enjoying the flexibility to borrow as needed.

Unlock the power of your Home Equity.

Home Renovation

Finance home upgrades, repairs, or remodeling projects with flexible access to your home equity whenever you need it.

Debt Consolidation

Combine high-interest balances into one manageable payment using your home equity for a simpler, more flexible way to pay down debt.

A Big Purchase

Use your home equity to help cover major expenses like tuition, appliances, or other large purchases with flexible access to funds.

See if you qualify for
The HELOC Card Today.