Your Equity.
5 Days.
No Hoops.
Most homeowners are sitting on $200K–$500K in equity they can't access. This isn't your bank's HELOC. No appraisals. No tax returns. No W2s. Funds in as little as 5 days.
- No appraisal required
- No income docs or tax returns
- Up to $750,000 — up to 90% LTV
- 640+ FICO. 2nd homes & investment properties OK
- Fixed rate options available
Check Your Rate in 60 Seconds
No credit impact • No commitment
What is the property address?
What's the approximate loan balance on your home?
Include all mortgages — 1st, 2nd, any existing HELOC.
What's your estimated home value?
Your best estimate is fine — no appraisal required for this program.
How's your credit?
What type of property is this?
Almost done — where should we send your options?
By continuing you agree that The Nuhome Team may contact you by phone, text, or email regarding your HELOC inquiry. Standard message rates may apply.
Last step — get your instant quotes now
You're on your way!
We've received your info. A member of the Nuhome Team will reach out within 1 business hour to walk you through your options.
Questions? Text "HELOC" to (626) 263-5859 or visit loansbyjb.com.
From Application
to Funded in Days
Not weeks. Not months. This program was built for speed — and it shows.
Check Your Rate
Answer 7 quick questions. No hard pull. No commitment. See what you qualify for in under a minute.
We Shop Lenders
The Nuhome Team runs your scenario across multiple lenders to find the best rate and terms for your situation.
Funded in 5 Days
Once approved, funds hit your account in as little as 5 business days. No appraisal delays. No doc scramble.
If You Think Getting a HELOC Takes 30+ Days...
You're using the wrong program.
- ✓ No appraisal required — skip the 30-day wait
- ✓ No income docs, W2s, or tax returns
- ✓ No hard credit check to see your options
- ✓ No mortgage lates required in last 12 months
- ✓ Fixed rate options — no variable rate surprises
- ✓ $25K–$750K loan amounts
- ✓ 2nd homes & investment properties eligible
- ✓ 640+ FICO minimum — no perfect credit required
What Homeowners
Are Using It For
Your equity isn't just a number on paper. Here's what Southern California homeowners are doing with it.
Renovations & ADUs
Build the ADU, upgrade the kitchen, add square footage. Use your equity to increase your home's value.
Real Estate Investing
Down payment on a rental, fix-and-flip capital, or earnest money. Put idle equity to work in more deals.
Debt Consolidation
Swap high-rate credit card debt for a fixed-rate HELOC. Simplify your payments and lower your rate.
Business Capital
Fund operations, equipment, or expansion without a business loan. Leverage your home's equity instead.
5-Star Reviews.
Real Results.
"I couldn't believe how fast this moved. We needed capital for a flip and were funded in 4 days. Justin's team made it completely painless."
"No tax returns, no appraisal — I was skeptical but they delivered exactly what they promised. Funded in 5 days and the rate was better than I expected."
"Used it to fund my ADU build. Traditional lenders wanted 3 months of docs. Nuhome Team had me approved in a day. Night and day difference."
Ready to Access Your Equity Fast?
It takes 60 seconds. No hard pull. No commitment.