Start from anywhere
Begin the application online when it works for you. No introductory phone call required.
THE LOAN DEAN · DEAN MOSALLAM
Digital HELOC.
Access your home equity online.
Apply online in minutes for a first, second, or third lien HELOC. Available lien positions depend on your property, state, and program eligibility.
- Access up to $750,000 in home equity.1
- A fixed rate on your initial draw.2
- Funding in as few as 5 business days.3
- No full appraisal on eligible loans up to $400,000.4Subject to an acceptable automated valuation. Additional property review may be required.
Checking your rate won’t affect your credit score.2The initial check is a soft inquiry. Continuing the application requires a hard inquiry, which may affect your score.
No introductory call required. Continue to the Ease Mortgage application portal.
See how it worksA BROADER NETWORK BEHIND YOU
Lenders shown are from Trust One Financial’s broader network. This page’s application buttons lead to the linked digital HELOC program; they do not submit an application to every lender shown.
APPLY ONLINE. HELP WHEN YOU NEED IT.
Why choose a digital HELOC?
Home improvements, debt consolidation, or another important expense. See whether your equity can help.
A fixed rate on your initial draw
Know the rate on the amount you draw at closing. Later draws may have a different fixed rate.2
A digital path to closing
Online notarization is available for eligible properties. Some locations or circumstances require an in-person notary.3
No prepayment penalty
Pay down your balance or pay it off early without a prepayment penalty. Applicable loan fees and accrued interest still apply.
A HELOC is secured by your home. Consolidating unsecured debt into a HELOC puts your home at risk if you cannot repay and may increase total interest over a longer term.
FROM “WHAT IF” TO WHAT’S NEXT
One application.
A clear path forward.
Do it on your time, with support available along the way.
- 01
Start your application
Continue to the application portal and enter your property and financial information there.
- 02
Review your options
If offers are available, review the rate, fees, payment, and loan terms. Complete any requested verification.
- 03
Close and receive your funds
Once approved, finish signing and notarization. Funding follows applicable waiting periods and processing.3
A LITTLE CLARITY GOES A LONG WAY
Good questions.
Straight answers.
Know what you’re applying for before you take the next step.
Will I need a full appraisal?
Eligible loans up to $400,000 can use an acceptable automated property valuation instead of a full appraisal. If an automated value is unavailable, another valuation or property review may be required, with possible fees and added time. Loans above $400,000 require a full appraisal. The threshold refers to the loan amount, not your home’s value.
Do I have to speak with Dean before applying?
No introductory call is required. You can start through the application link and follow the online steps. If additional information or assistance is needed, the team may contact you.
Will this replace my current mortgage?
A second- or third-lien HELOC can leave your existing mortgage and its terms in place while adding another loan payment secured by your home. A first-lien HELOC is also available for eligible properties, including homes owned free and clear. Your available lien position depends on existing liens, property occupancy, state, and program requirements, and is determined during the application.
Is the entire credit line drawn at closing?
Yes. This program requires a 100% initial draw. The cash you receive may be reduced by origination fees, costs, and any debt payoffs. Repayment begins on the drawn balance. Future draws are subject to your agreement and available credit.
How does the fixed rate work?
The linked program describes a fixed rate for the initial draw. A later draw is priced when you take it and can have a different fixed rate. Review the rate, fees, payment, and terms in your actual offer and agreement before accepting.
Does checking an offer affect my credit?
The initial offer check uses a soft credit inquiry. Continuing through the application can require a hard credit inquiry, which may affect your credit score. Review the credit authorization in the application portal before proceeding.
Can I sign and get my money the same day?
Notarization and funding are separate steps. An online notary may be available once your file is ready, but funding still depends on verification, signing, applicable waiting periods, and bank processing. Five-business-day funding is a best-case timeline, not a guarantee. Texas and in-person closings can take longer.
YOUR NEXT MOVE STARTS HERE
Let’s put your equity
to work.
Start online. Review your options. Decide what’s right for you.
Start my application Continue to the Ease Mortgage portal