Your Home Is More Than a Place—It’s a Powerful Financial Asset
If you own a high-value property, chances are you’ve built up significant equity—whether through appreciation, large down payments, or smart early investments. But is that equity working for you?
With a Home Equity Line of Credit (HELOC), affluent homeowners can unlock liquidity from their real estate without touching their primary mortgage, selling investments, or waiting for a refinance. It’s a smart, flexible way to put your home to work—fueling business ventures, renovations, or wealth-building opportunities.
Access cash within days
Tap into your home’s potential in minutes. Start our streamlined digital application to discover if a HELOC is right for you.
Why High-Value Homes Hold Untapped Potential
1. Significant, Often Idle Equity
Luxury properties in markets like California, Florida, and the Northeast have appreciated dramatically in recent years. That equity is a form of stored wealth—but without a HELOC, it’s locked away.
2. Low Original Mortgage Rates
Many high-income homeowners refinanced at 2–3% interest rates. Selling or cash-out refinancing now (at 7–8%) would mean losing that valuable first-lien rate. A HELOC provides access to capital without disturbing your original loan.
3. More Borrowing Power
High-value homes can support larger credit lines—often $250K to $500K or more—giving you a ready source of capital for strategic use.
Smart Ways to Use Equity in a High-End Property
- Bridge short-term liquidity needs without selling stocks or assets
- Fund luxury renovations that increase resale value and enjoyment
- Invest in a second home or income property
- Support a family member’s education or down payment
- Start or grow a business venture
- Keep an emergency fund for economic uncertainty or opportunity
With a HELOC, you borrow only what you need, when you need it—while maintaining full control.
How HomeEQ Helps You Unlock Equity Without the Hassle
HomeEQ is built for digital-first, financially savvy homeowners. Our process is fully online, and our HELOC product is designed for speed, transparency, and flexibility.
HomeEQ HELOC Benefits:
- Approval in minutes with a soft credit pull
- 100% digital experience—no in-person appraisals or bank visits
- Funding in as little as 5–7 days
- Interest-only payments during the draw period
- Backed by Arc Home’s 20+ years of lending expertise
No sales pressure. Just smart financial tools made simple.
Common Questions From High-Value Property Owners
Yes—though interest is only tax-deductible if used for improvements to the home that secures the HELOC. Many borrowers use it for investments, business, or large purchases.
Most lenders allow up to 85–90% combined loan-to-value (CLTV), minus your current mortgage balance. A $2M home with a $700K mortgage could potentially support a HELOC of $1M or more.
HomeEQ operates in most states. Check HomeEQ.com for current availability.
No. Your current mortgage remains untouched. A HELOC is a second lien on the property.
Is It Time to Make Your Home Work Harder?
If your property has appreciated or if you’ve paid down your loan significantly, you may be sitting on a powerful source of capital. With a HomeEQ HELOC, you can access that wealth—quickly and on your terms.
👉 Check Your HELOC Rate in Minutes
No impact to your credit. No bank visits. Just smart access to your equity.
Read Next: Unlock More From Your Home
- How to Apply for a HELOC Online — Step-by-step process, fully digital
- Using a HELOC to Maximize ROI on High-End Home Improvements — What upgrades make the most sense?
- HELOC Calculator — Estimate your available equity now
- The Tax Advantages of Using a HELOC to Fund Property Renovations — Make your funds work smarter
💡 Ready to unlock capital from your home without selling a thing?
Explore your options with HomeEQ’s digital HELOC tool — fast, flexible, and fully online.
