Click Mortgage

NMLS 284021

Get pre-approved for a HELOC in 5 minutes. All online.

No in-person appraisal and no phone calls; if we need anything, we text or email.

Checking won't affect your credit score.

  • Funding in as few as 5 days¹
  • Fixed and variable rates; fixed for the full term of each draw
  1. Enter your mobile number, we text you a code
  2. Tell us how much and what for
  3. See your pre-approval decision, then finish online

Keep the mortgage you have

A home equity line of credit sits behind your first mortgage, so the rate and payment on that mortgage stay as they are. You borrow against the equity you have built, and the rate on your first draw is fixed for the full term of that draw.

How it works

  1. 1Answer a few questions onlineAbout your home, what the money is for, and how to reach you. A soft credit check does not affect your score.
  2. 2See your pre-approval decisionIn about 5 minutes. If anything more is needed, we follow up by text and email; no one calls you.
  3. 3Apply and close with the lenderIf you go ahead, you finish the application online with the lender, with no in-person appraisal. A hard credit inquiry may follow at that point.

Questions about a HELOC

What is a HELOC?
A home equity line of credit (HELOC) borrows against the equity in a home you own. It is a line of credit, not a one-time loan: you take a first draw when the line opens, and you may be able to draw again as you pay it down. Your first mortgage stays as it is.
HELOC or home equity loan: what is the difference?
A home equity loan pays out one amount at closing, and you repay it on a set schedule. A HELOC is a line of credit: you take a first draw at opening and may draw again later. Both sit behind your first mortgage. Which fits depends on what the money is for.
What credit score do I need?
Lenders we work with generally look for a credit score of 720 or higher. The requirement for your situation is confirmed after you answer the questions. The first check is a soft inquiry, which does not affect your score.
Will checking affect my credit score?
No. The first check is a soft inquiry, which does not affect your score. If you continue to a full application, the lender may make a hard inquiry, which may.
What is different in Texas?
Texas has its own home equity rules, including a limit on how much of your home's value can be borrowed against and waiting periods before and after closing. We explain them by text and email before you apply.
My home is listed for sale. Can I still apply?
A home that is listed for sale usually cannot be used. Tell us your plans on the form and we will tell you what is possible.
Can I use an investment property or a second home?
Sometimes, with different requirements. Answer the questions about the property and we will tell you where you stand.

Who we are

Click Mortgage, a division of Golden Bear Capital, Inc., NMLS 284021. Click Mortgage arranges the line and is not the lender; lines are funded by a licensed lender. The application is 100% online. If anything more is needed, we follow up by text and email; no one calls you.