1
Complete a quick prequalification
Answer a few questions about your property and financing goals through the secure Helix platform.
Home equity, made simpler
One simple start. More ways to use your equity.
Begin with a secure, no-obligation prequalification. Dave Overholser will help review your goals and identify an available home-equity option that fits your situation.
Initial prequalification won’t affect your credit score. No obligation to proceed.
How it works
A better way to explore home-equity financing
You shouldn’t have to guess which application to complete. Start in one place, then get help reviewing the path forward.
2
Review your situation with Dave
Dave considers the amount needed, property details, timing and other factors that affect program fit.
3
Choose how to move forward
If an available option makes sense, Dave will explain the next steps, requirements and any additional authorization needed.
Your equity, your priorities
Put the value in your home to work
A HELOC is a revolving line of credit secured by your home. It may provide flexible access to funds, but your home is collateral, so the payment and total cost should fit comfortably within your budget.
01
Home improvements
Renovate, repair or update your property.
02
Debt consolidation
Explore replacing higher-cost debts with one home-secured line.
03
Major expenses
Plan for tuition, medical costs or other significant needs.
04
Financial flexibility
Establish access to funds for planned or unexpected expenses.
What Dave reviews
The details that can change which option fits
Available programs can differ. A useful comparison looks beyond the headline rate.
Available credit lineThe amount you may access based on equity and underwriting requirements.
Costs and feesPossible origination, appraisal, annual, early-closure or other charges.
Draw and repaymentHow long you can borrow, minimum draws and how payments may change.
Documentation and timingIncome verification, property review and expected processing steps.
Your loan officer
Guidance from Dave Overholser
Dave is a Florida mortgage loan officer with NEXA Lending. Instead of sending homeowners toward a wall of lender links, he provides one starting point and helps explain the available path forward.
Common questions
Before you get started
Will checking my options affect my credit score?
The initial Helix prequalification states that it will not affect your credit score. If you choose to move forward, Dave will explain any later credit authorization before it occurs.
Do I need to complete applications with several lenders?
No. Start with the single prequalification on this page. If another available option could be a better fit, Dave will explain what information or authorization is needed next.
How much equity can I access?
That depends on your home value, current mortgage balance, credit profile, income, property type and the provider’s underwriting requirements.
Is a HELOC the same as a home-equity loan?
No. A HELOC is generally a revolving line that allows repeated draws during a set period. A home-equity loan generally provides one lump sum with a defined repayment schedule.
Can I use a HELOC to consolidate debt?
Potentially, but unsecured debt becomes debt secured by your home. Compare the total costs, repayment period and risks before deciding.
See what your home equity could make possible
Start with a quick, secure prequalification. There is no obligation, and the initial check won’t affect your credit score.
Check My Options