AI-powered underwriting for faster approvals and funds.
The Equity Line of Credit
Made Simple
Why Choose
AI Equity Loan?
AI-powered underwriting, unmatched speed, and flexible terms designed for today’s borrowers.
Funds in as little as 5 days
Fast Funds
Lightning-fast closings powered by AI underwriting technology.
Payoff Debt to Qualify
Instantly pay off existing debt to meet qualification requirements.
1–4 Unit Properties
Primary, investment, or second homes — condos eligible too.
No Appraisal < $500k
Skip the appraisal process on loans under $500,000.
No Appraisal < $500k
Skip the appraisal process on loans under $500,000.
Co-Borrowers Allowed
Add co-borrowers to strengthen your application.
% Only Payments
5 year interest-only draw period for maximum flexibility.
Max DTI 50%
Generous debt-to-income ratios up to 50% with max 80% CLTV.
No Wait Periods
No seasoning requirements after purchase — apply immediately.
Does Your HELOC Lender Compare?
See how Fast HELOCs stacks up against other HELOC lenders.
Feature
AI Heloc Loan
Other Lenders
Funds in as little as 5 days
A.I. and Underwriter assist if borrower doesn't pass A.I. underwrite
Title Curative team if Borrower's Title policy doesn't pass A.I. Underwrite
Close in a trust or use a POA if needed
Interest-only payments for the first 5 years
Exclude debt paid by others with 6 months canceled checks
Pay off any debt to qualify
Borrower portal visibility for tracking progress
Team of Underwriters, Processors and Account Executives
Debt Consolidation HELOC Guidelines
Instantly pay off debt to qualify. Here's what you need to know.
1-4 Unit Primary, Investment, or 1 Unit 2nd Home
Condos Eligible
Minimum 640 FICO
Max DTI is 50% / Max CLTV is 80%
No Appraisal Required < $500k
Allows Co-Borrowers*
5 Year Interest-Only Draw Period
No Wait Periods After Purchase
*Must be on title at time of application. Refer to guidelines for complete details and restrictions.
Ready to Unlock Your Home Equity?
Get started with AI Equity Loan today. Our AI-powered process means faster approvals, fewer headaches, and funding in as little as five days.
Legal Disclaimer: RefiMyVA.Loan is not affiliated with the Department of Veterans Affairs or any other government agency. This website is intended for informational and lead generation purposes only and does not constitute a commitment to lend. All loans are subject to credit and underwriting approval.
Borrower must be an eligible veteran with an existing VA loan to participate in the VA IRRRL program. VA IRRRL guidelines require at least 210 days to have passed from the prior VA loan closing, a clear net tangible benefit, and six consecutive on-time payments. To qualify for an escrow waiver, a minimum 680 mid-credit score is required.
This information is not an indication of loan qualification, loan approval, or a commitment to lend. Other limitations may apply, and not all applicants will qualify. Some loan products may have higher interest rates, points, or fees than others and may require more extensive or different documentation. Minimum FICO, reserve, and other underwriting requirements apply.
Kurt Raymond Kessler NMLS #365130 | Barrett Financial Group, L.L.C. NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | CA 60DBO-46052 & 41DBO-148702
Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License
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