About Click Mortgage
Click Mortgage is a division of Golden Bear Capital, Inc., NMLS 284021. We arrange home equity lines of credit (HELOCs) for homeowners. We are not the lender: lines are funded by a licensed lender. The application is 100% online, your pre-approval decision comes by text and email, and no one calls you.
What we arrange
- A HELOC is a second loan behind your first mortgage, so the mortgage you have stays as it is.
- The first draw is for the full amount of the line, and its rate is fixed for the full term of that draw. Later draws follow the terms you get in writing before you apply.
- The first check is a soft credit inquiry, which does not affect your score. A hard inquiry may follow at the application stage with the lender.
Where
Homes in Arizona, California, Colorado, Florida, Missouri, Nevada, Texas, Utah, Washington. See licensing for the details.
How it works
- Answer a few questions online. About your home, what the money is for, and how to reach you. A soft credit check does not affect your score.
- See your pre-approval decision. In about 5 minutes. If anything more is needed, we follow up by text and email; no one calls you.
- Apply and close with the lender. If 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.
Our guides
Our guides explain the rules and the process in plain words. Each one is reviewed by a licensed loan officer before it loses its draft notice, names its sources, and shows its review date. Start at the HELOC guides.