Home1st Financial

1HOME EQUITY, ON YOUR TERMS

Keep your mortgage. Explore your equity.

See preliminary line amounts, estimated rates, payments, and proceeds before deciding whether to apply.

PropertyStep 1 of 6

See what may be possible

A few quick questions unlock preliminary options you can compare on screen.

  • Keep your current first mortgage in place.
  • Close in as little as 5 days on eligible loans.
  • A traditional appraisal is typically not required.
  • Compare estimated payments, fees, and net proceeds.
  • Self-employed? Bank deposits may help document income.

No credit pull to view preliminary options. Credit and income are reviewed if you choose to apply. Closing time and valuation requirements vary by loan.

Property address

Start with the property where you want to access equity. We use your address to prepare more relevant preliminary options.

We will not pull your credit to provide preliminary options.

Optional ad measurement: Off ·

How do you use this property?

Your estimate is a helpful starting point. We’ll determine the final property value through the valuation process.

Is there another mortgage, home-equity loan, or HELOC on the property?
Is the property currently listed for sale, or was it listed within the last 60 days?

Home-equity line amounts start at $25,000. Enter at least $25,000 to continue.

This is only a starting point. You’ll compare available amounts and see how the estimated rate and payment may change before selecting a scenario.

How do you plan to use the funds?

We will not pull your credit to provide preliminary options.

Will you be adding a co-borrower?

Adding a qualified co-borrower may improve your chances of approval or provide additional options. It’s completely optional.

What is your primary income source?

Preliminary options assume sufficient qualifying income. Final eligibility and the approved line amount are subject to lender income verification and approval.

Co-borrower income
Optional based on your previous answer.

Optional
What is their primary income source?

Enter your information below to view your preliminary options now and receive a copy by email.

By submitting, you acknowledge that you have reviewed our Privacy Policy and agree to our Terms of Use.

We will not pull your credit to provide preliminary options.

Your preliminary options

Preliminary estimate
—
$25K minimumEstimated maximum
Rate options by line amount

Select an option or use the slider.

Selected line—
Illustrative variable rate—
Est. interest-only payment—
Estimated Costs and Fees*—
Estimated net proceeds*—
Ready to apply?

The secure application takes about 3 minutes. You can continue now or review your options with a Home Equity Specialist first.

*Our estimated costs and fees are typically close to final figures, but they may vary by loan, location, and other factors. Final fees will be detailed in lender disclosures; estimated net proceeds may change accordingly.

Preliminary options are estimates—not an approval or commitment to lend. Final eligibility, property value, credit, income, line amount, rate, fees, and terms require lender verification and approval. Rates are variable and may change. Payment examples assume the full selected line is drawn and interest-only payments.

Your option is ready

We’re preparing your secure application…

You may see a few familiar questions in the next step. We used your initial information to confirm that this could be a valuable option before asking you to complete the full application.

It should only take about 3 minutes, and your information helps us finalize your personalized offer.

Continue to Secure Application → Continuing automatically in 5 seconds…

We’re reviewing your options

Could a co-borrower help?

Adding a qualified co-borrower may improve your eligibility or create additional home-equity options.

Your request is confirmed

A Home Equity Specialist will reach out shortly to answer your questions and help with the next step. Keep an eye on your phone and email—we’ll make this easy.

Want to connect sooner? Feel free to call or text us at (602) 883-2002.