Home Equity Lines of Credit (HELOC)

Equity Express from Rosa Briggs & CrossCountry Mortgage

Rising home values may give you a source of money you haven’t considered—a home equity line of credit (HELOC).

5 minutes to apply. 5 days to fund 100% of your loan amount. That’s all it takes to access your money with Equity Express from CrossCountry Mortgage and Rosa Briggs. Use the money to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses.*

*A CrossCountry Mortgage HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.

5 minutes to apply. 5 days to fund.**

Get access to the equity in your home in as little as 5 days! It’s simple!

  1. Click the button to start your application now.
  2. After application, you’ll receive instant qualification results.
  3. Secure the full amount of your loan within 5 days!

**Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.

What is a HELOC loan?

A HELOC loan, or home equity line of credit, is like a second mortgage on your home. It lets you borrow money using your home’s value. A HELOC is different from a regular home loan because you can take out money whenever you need it, instead of getting all the money at once. This makes it a flexible way to borrow funds.

A HELOC can be particularly useful for homeowners who need access to a revolving line of credit for various expenses such as home improvements, debt consolidation, or unexpected emergencies. Most HELOC loans typically have a variable interest rate, which means your payments can fluctuate over time. However, Rosa Briggs and CrossCountry Mortgage’s Equity Express program offers a fixed rate, and you only pay interest on the amount you actually borrow, not on the entire credit limit. This feature provides the flexibility to manage your finances more effectively, allowing you to borrow smaller amounts as needed and pay them back to make more funds available for future use.

HELOC Highlights

A HELOC loan with Equity Express makes accessing your home equity easy and affordable. Here’s how:

  • Only 5 days from start to close.
  • Fixed interest rate.
  • No appraisal required.
  • No out-of-pocket fees.
  • Loans available on primary, second, and investment homes.
  • Available in every state except Delaware, Kentucky, New York, and West Virginia.***

Note: An Equity Express HELOC requires a minimum 620 credit score. No second mortgages are allowed. Applications are AI reviewed and approved. Denials cannot be fought or explained beyond information provided in the denial letter. Manufactured homes do not qualify.

***Find the right financing strategy…”: For Texas loans, closing and disbursement of funds cannot occur until all requirements of Texas Section 50(a)(6) are met including but not limited to the execution of the Texas A6 12-Day Letter.

Find the right financing strategy with Rosa Briggs Home Lending.

At Rosa Briggs Home Lending, we put our clients first and foremost. Buying a home is a big deal, and you deserve a team that has your back throughout the process. That’s why we believe in strategic home financing solutions, not quick, auto-generated approvals. We help you understand your options and pick a path that meets your needs now and twenty years from now.

Find a mortgage that allows you to succeed today and plan for tomorrow. Get started now.

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