Home loans · Georgia & California

HELOC and cash-out refinance

A home equity line of credit (HELOC) is a revolving line secured by your home's equity: borrow, repay and borrow again as needed, and pay interest only on what you use.

Get pre-approved Call 626.702.1888

Who it’s for

Owners who want cash but don't want to give up a low first-mortgage rate
Investors using equity toward the next purchase
Renovations, tuition or other large expenses
Primary homes, second homes and investment properties (1 to 4 units)

How it works

To estimate how much you could borrow, start with your home's value: the maximum is roughly the home value times the lender's loan-to-value limit, minus what you still owe on your mortgage.

With a cash-out refinance, you replace your mortgage with a larger one and take the difference in cash. If today's rates are well above your current rate, a HELOC usually lets you keep the first mortgage you have.

Title can be held in an LLC when the borrowers own 100% of it, and foreign nationals are eligible on some programs. You can qualify with full documentation or alternative documentation.

Good to know

Not sure what your home is worth? Run the home value tool first, then send me the result.

Get started

Ask about HELOC and cash-out refinance

Share a few details and I will call you within one business day. This form is not a loan application and does not affect your credit. Please do not include your Social Security number or any documents here.

扫码加微信，中文咨询贷款Or call 626.702.1888, or email zion.chen@orangepathfinancial.com

Other loan programs

All home loans →

Conventional and jumbo loansFannie Mae and Freddie Mac loans, and jumbo loans above the conforming limit.Learn more →DSCR loans for investorsQualify on the property's rent, not your personal income.Learn more →Self-employed and alternative-income loansBank statement, P&L, 1099 and VOE loans when tax returns don't show your real income.Learn more →Foreign national and ITIN loansFor buyers without a Social Security number, overseas investors and many visa types.Learn more →Commercial loansBuy or refinance warehouses, offices, retail, multifamily and hotels.Learn more →

Long (Zion) Chen, NMLS #2869394, licensed mortgage loan originator in Georgia (MLO License #2869394) and California (DFPI MLO License CA-DFPI2869394), sponsored by OrangePath Financial Inc., NMLS #2070941. This is not a commitment to lend. All loans are subject to credit approval and underwriting; terms, programs and eligibility are subject to lender approval, and not all programs are available in every state. OrangePath Financial Inc., NMLS #2070941, 3635 Peachtree Industrial Blvd, Ste 250, Duluth, GA 30096, is an Equal Housing Lender. Georgia Residential Mortgage Licensee #2070941. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, #60DBO-149772. NMLS Consumer Access