You've been making payments for years. That equity belongs to you. Whether you want to renovate, consolidate debt, fund education, or invest — Patrick can help you access it at competitive rates.
Quick estimate — no credit pull required.
Based on 80% LTV. Actual amount subject to appraisal and qualification.
Get My Free HELOC Quote →Both let you access your equity — but they work differently. Here's how to choose.
Home Equity Line of Credit — borrow as you need it
Lump sum at a fixed rate — predictable payments
Kitchen remodel, bathroom addition, finished basement — investments that increase your home's value and your quality of life.
Replace high-interest credit card debt with a lower-rate home equity product. One payment, lower rate, faster payoff.
Fund college tuition or continuing education at rates far more favorable than private student loans.
Use equity from your primary home as the down payment on an investment property. Build your real estate portfolio.
A HELOC gives you a financial safety net. Have the credit line available and only pay when you use it.
Fund a startup, buy equipment, or invest in your business using the equity you've built as a homeowner.
From first call to funded in as little as 3–4 weeks. Here's how it works.
Tell Patrick your goals and we'll assess how much equity you can access and which product fits best.
We gather your documents, order an appraisal to confirm your home's value, and submit your application.
Our lender partners review your application. Patrick keeps things moving and answers any questions from underwriting.
Sign your documents, close your loan, and access your equity. Typically funded within 3 business days of closing.
Find out how much equity you can access and what it would cost. Patrick will walk you through every option with no pressure and no obligation.