01 — YOUR OPPORTUNITY
Access up to $750,000 with AI-powered HELOCs featuring faster decisions, flexible income verification, and an initial soft credit inquiry.
Initial Credit Check
Soft Pull
02 — THE POSSIBILITIES
Put Your Home Equity to Work.
From home improvements to major life opportunities, your equity can help you accomplish more without replacing your existing first mortgage rate.
Home Improvements
Renovate, repair, or upgrade your home.
Debt Consolidation
Consolidate high-interest debt into a more manageable payment.
Major Expenses and Investments
Fund large purchases, business needs, or investment opportunities.
Buy Before You Sell
Use existing home equity as a bridge toward your next purchase.
03 — Process
Getting Started Is Simple.
Forget the traditional HELOC process. AI-powered technology replaces weeks of paperwork and waiting with faster decisions, smarter verification, and the potential to access your equity in just days.
1) Get Started Online
It only takes minutes to tell us a little about your property and financing goals.
2) Start with a Soft Pull
Explore your HELOC options without impacting your credit score. A hard inquiry is only required if you accept an offer.
3) Let AI Do the Work
AI streamlines underwriting and income verification, reducing paperwork and speeding up decisions.
4) Access Your Equity
Once approved, access up to $750,000 in home equity, with funding possible in as few as five days.
04 — THE EXPERTISE
Advanced Technology. Trusted Expertise.
AI-powered efficiency, backed by human expertise and genuine personal attention.
Over 20 Years of Mortgage Experience
Two decades of navigating complex financing scenarios and developing tailored solutions.
More Lending Options
Access to innovative financing solutions through multiple lending partners.
Personalized Service
I take the time to understand your goals and personally guide you through the financing process.
Ownership
Ownership in my business means ownership in your results.
05 — PERSONAL ASSISTANCE
Questions? Let's Talk
Prefer to speak with someone first? I'm here to answer your questions and help you explore your options.
06 — FAQ
Commonly Asked Questions
Will applying affect my credit score?
No. The process begins with a soft credit inquiry, which won't affect your credit score. A hard inquiry is only required if you choose to accept an offer.
Will I need a home appraisal?
Not necessarily! Many borrowers can qualify using an automated property valuation, eliminating the need for a traditional appraisal. HELOCs over $500,000 or properties that don't meet automated valuation requirements may require an appraisal.
How will my income be verified?
There are several options for income verification! Depending on your situation, you may be able to link your bank accounts to calculate qualifying income from deposits, connect to your IRS tax records, or upload pay stubs, among other options.
Will I have to refinance my current mortgage?
No! A HELOC is a separate loan that allows you to access your home's equity without refinancing your existing first mortgage. You can keep your current mortgage and its interest rate.
How much equity do I need to keep in my home?
For a primary residence, qualified homeowners may be able to borrow up to 90% of their home's value, including their existing mortgage balance. That means you could access your equity while keeping as little as 10% in your home!
Will I work with a real person or an AI bot?
Both! AI-powered technology helps streamline and accelerate the lending process, but I'll personally guide you, answer your questions, and help evaluate your options.
07 — Next Step
Ready to Unlock Your Home Equity?
Explore your home equity options with a simple online application and an initial soft credit check.
Disclosures
Mortgage pre-qualification is for informational purposes only and is based on the information you provide. It is not a loan approval, a commitment to lend, or a guarantee of financing, and it does not lock any interest rate. Final loan approval, terms, and rates are subject to a complete application, income and asset verification, credit review, property valuation, and other underwriting requirements, and are subject to change.
Not all applicants will qualify. Products and loan options vary and may not be available in all states or for all property types. All loans are subject to credit approval and applicable program guidelines. Contact a licensed mortgage professional for details specific to your situation.
The Mortgage Project, LLC · NMLS #2496597 · 5399 Valentia Street, Denver, CO 80238. Equal Housing Lender. This is not an offer to enter into an interest rate lock agreement.
Innovative mortgage solutions. Personalized guidance. Financing built around you.
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Mortgage Broker· NMLS #2496597 · Equal Housing Opportunity