$750K HELOC powered by Honest Casa
Large-line specialists Check My Rate

Your equity outgrew the bank's limits. Up to $750,000, all online.

Most banks cap HELOCs at $250K–$400K — and route anything bigger into weeks of committee reviews. If you're sitting on serious equity, this line goes up to $750,000 with the same 100% online process as a small one: rate check in about five minutes with no SSN, bank-statement income options, and funding in as little as 3 days after approval.

Lines from $15K up to $750,000 — sized to your actual equity, not a branch manager's ceiling
Check your rate in ~5 minutes — soft pull only, no SSN required
Under $500K: digital valuation, no appraiser visit, no appraisal fee
Up to $750,000Where banks stop at $400K
~5 min rate checkSoft pull, no SSN
As fast as 3 days*From approval to funded
Bank-statement OKNo tax returns required
Your offer is 60 seconds away 0%

How much do you want access to?

Drag it all the way — the line goes to $750K. Check your rate as of .

$250,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

Your best guess is fine — large lines are sized from the same simple math.

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will you use the line for?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
Property—
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

Up to $750K
Line sizes most banks and fintechs simply don't offer
~5 min
To check your rate — soft credit pull, no SSN required
$0 appraisal fee
Digital valuation replaces the in-person appraisal on loans under $500K
As fast as 3 days
From final approval to money in your account*

A $750K line, in 3 steps

The process big banks reserve for committee review, compressed into an online flow.

01

Check your rate

Answer a few quick questions and see what you may qualify for — fast, secure, and 100% online. No SSN required at this stage, soft credit pull only.

~5 minutes
02

Verify and get valued

Under $500K your home is valued digitally — no appraiser visit. Larger lines may get additional valuation steps, handled for you. Bank-statement income options mean no tax-return archaeology.

Mostly automatic
03

Close & draw what you need

eSign with an online notary and get funds in as little as 3 days after approval.* Draw, repay, and redraw during your draw period — it's a line, not a lump-sum loan.

As fast as 3 days*

What a large line actually unlocks

At $500K–$750K, a HELOC stops being "some extra cash" and becomes a balance-sheet tool.

What owners use six figures for

  • Full renovations and ADUs — often adding more value than the line costs
  • Down payments on investment or second properties — moving on a deal in days, not escrow-weeks
  • Business capital without pledging the business or selling equity
  • A standing liquidity reserve — drawn only when needed, costing nothing when idle

The honest fine print at this size

  • Lines of $500K+ may require additional valuation steps — sometimes including an appraisal
  • Your equity and credit profile set the real ceiling — 85% combined loan-to-value is the working math
  • Interest is only owed on what you actually draw — a $750K line you tap for $100K bills like $100K
  • If a different product fits your goal better, your specialist will say so before you commit

Why big-equity homeowners pick this $750K line

Banks cap out early

Typical bank HELOC ceilings sit at $250K–$400K regardless of your equity. If your home has appreciated seriously, those caps strand six figures of usable equity. This line is sized to $750K.

Big line, small timeline

Traditional jumbo home equity means committee reviews and 30–60 day timelines. Here the same online flow that funds a $50K line funds a $700K one — as fast as 3 days after approval.*

Cheaper than moving money

Selling investments triggers taxes; a cash-out refi resets your entire mortgage rate. A large HELOC taps equity while your first mortgage — and your portfolio — stay exactly where they are.

Bank-statement friendly at scale

High earners with complex returns — business owners, partners, 1099 physicians — can qualify on bank statements. No two-year tax-return excavation for a large line.

This $750K HELOC vs. the usual big-money routes

Same goal — six figures of liquidity — very different costs and timelines.

$750K HELOCRECOMMENDEDBank HELOCCash-out refinance
Maximum line size Up to $750K Often capped $250–400K High, but resets your rate
Keeps your current mortgage rate Yes Yes No — entire balance reprices
Typical time to funding As little as 3 days* 3–8 weeks 30–45 days
In-person appraisal Not under $500K Usually, for large lines Usually
Rate check without SSN Yes — soft pull No No
Bank-statement income option Yes Rarely Rarely
Draw / repay / redraw Yes — it's a line Yes No — one lump sum

Frequently asked questions

Can I really get a $750,000 HELOC?
Yes — lines range from $15,000 up to $750,000, sized by your available equity (up to roughly 85% combined loan-to-value), credit profile, and state. If your home has appreciated well past your mortgage balance, six-figure lines are routine here — that's the point of this program.
Why do banks cap HELOCs so much lower?
Risk policy and process: most retail banks cap home equity lines at $250K–$400K and push anything larger into jumbo-loan committee review. It's a policy ceiling, not a reflection of your equity. This program was built to size the line to the equity instead.
How fast can a large line fund?
The same as a small one: rate check in about 5 minutes, and funding in as little as 3 days after final approval.* Lines of $500K+ can take somewhat longer if additional valuation steps apply — your specialist tells you upfront.
Do I need an appraisal?
Under $500,000, no — a digital valuation prices your home automatically, with no appraiser visit and no fee. At $500,000 and above, additional valuation steps may apply, which can include an appraisal. Either way you know before anything costs you a dollar.
Do I pay interest on the whole line?
No — only on what you draw. A $750K line you never touch costs nothing in interest; draw $100K for a renovation and interest accrues on that $100K. As you repay, the credit becomes available to draw again during your draw period.
Will checking my rate hurt my credit score?
No. Prequalification uses a soft credit inquiry with no score impact, and no SSN is required to check your rate. A hard inquiry only occurs if you proceed with a full application.
I'm self-employed with complex tax returns. Will that slow this down?
No — that's what bank-statement qualification is for. Income can be verified from bank statements through a secure, read-only connection, with no tax returns or W-2s. It's the standard route here for business owners and high-earning 1099 professionals.
Is a large HELOC better than a cash-out refinance?
If you like your current mortgage rate, usually yes: a cash-out refi reprices your entire balance at today's rates to extract equity, while a HELOC leaves your first mortgage untouched and charges interest only on what you use. If your existing rate is high anyway, the refi math can win — your specialist runs both honestly.
Who is the lender?
This site is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

Serious equity deserves a serious line.

Check your rate on up to $750,000 in about 5 minutes — no SSN, soft pull only.

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Check My $750K Rate