Home Equity Line of Credit
Put your home's equity to work.
Turn the equity you've already built into flexible cash — fixed from 6.75% APR, borrow up to $750,000, and keep your first mortgage exactly where it is.
6.75%
APR, as low as$750K
Borrow up to~5 min
To approval
Your HELOC
APR
6.75%
Max Line
$750K
Funding
5 days
● SOFT PULL
Why a Savvy HELOC
Your equity, on your terms
Tap what you've built without touching your first mortgage — at a fixed rate you can count on.Fixed from 6.75% APR
Lock a predictable rate — no variable-rate surprises when payments start.Up to $750,000
Tap serious equity for renovations, debt payoff, or whatever's next.Approve in ~5 minutes
Answer a few quick questions and get your number — fast.Cash in as few as 5 days
From approval to funded in days, not months.Soft credit pull
See your options with no hard pull and no SSN required to start.First mortgage stays put
Borrow against your equity without touching your low primary rate.The Savvy Promise
A better way to borrow
The same Savvy difference, now on your home equity.A direct lender
We lend directly, with relationships straight to the capital markets, so your line comes in at a genuinely low rate — not a marked-up one.No junk fees
One transparent process — no application, admin, or processing add-ons padding your costs.A dedicated team
An advisor who knows home equity cold — with you from check-my-rate to funded.Smart ways to use it
Equity that works as hard as you do
A HELOC gives you a flexible line to draw from — borrow what you need, when you need it, and only pay for what you use.Why a HELOC? Instead of refinancing your whole mortgage, you borrow against the equity sitting in your home — keeping your first loan, and its rate, exactly as they are.
Consolidate debt
Roll high-interest balances into one lower, fixed payment.Renovate
Fund the kitchen, addition, or upgrade that adds real value.Big expenses
Tuition, a wedding, or medical bills — covered on your terms.Stay ready
Keep cash on hand for the opportunity you didn't see coming.Simple, start to finish
Funded in four steps
From checking your rate to cash in hand — most of it happens the same week.STEP 01
Check your rate
A few quick questions. Soft pull only — no hard credit check to start.STEP 02
See your number
Get your estimated available line in seconds — no guessing.STEP 03
Verify & approve
Confirm a few details — approval in about five minutes.STEP 04
Get funded
Sign digitally and access your cash in as few as five days.6.75%
APR, as low as$750K
Borrow up to~5 min
To approval5 days
To funding"
I rolled three balances into one fixed payment and still had room to redo the kitchen. From check-my-rate to funded was under a week.
Renata P. · Homeowner · Austin, TX
Good Questions
HELOC FAQs
A Home Equity Line of Credit lets you borrow against the equity in your home — draw what you need, when you need it. With Savvy it carries a fixed rate, so your payment stays predictable.
Tap into what you’ve built
Your equity is ready when you are.
Check your rate in minutes — soft pull only, no SSN required to see your options.