Most lenders only offer home equity products to W-2 borrowers with simple tax returns. Ours accepts bank statements, P&L, and even DSCR income — so self-employed borrowers, investors, and non-traditional income earners can access their equity too. Up to $850K, CLTV to 90%.
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Quick Estimate
Get a rough idea before you call. Enter your home value and what you still owe — we'll show you the maximum you may be able to borrow.
This is a rough estimate based on 90% CLTV. Maximum loan amount is $850,000. Actual qualification depends on your credit score, income documentation, and full underwriting review. Enter values above to see your estimate.
Home Equity Programs
What makes our home equity program different is the income flexibility. Whether you're a W-2 employee, a self-employed business owner, or a real estate investor — we have a doc type that works for your situation.
W-2 & Salaried Borrowers
Standard W-2 income with tax returns. If you have traditional employment income and want to access your equity, full doc is typically the most straightforward path to approval.
Self-Employed Borrowers
Self-employed and tired of being told no because your tax return doesn't reflect your real income? Our home equity program accepts bank statements and profit & loss statements instead.
Real Estate Investors
Own rental properties? Access equity using DSCR income qualification — the same approach we use for investment property purchases. No personal income docs required.
Know Your Options
Both let you access your equity. The right choice depends on your current rate, how much you need, and what you plan to do with the funds. Here's the honest comparison.
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Alternative Option
Also Consider
Not sure which option makes the most financial sense for your situation? We'll run both scenarios side by side and show you the real numbers before you decide.
The Process
The process is simpler than most homeowners expect. Here's what to expect from first call to funding.
We review your home value, existing mortgage balance, credit, and income type. We'll tell you which doc option works best and give you a rough equity estimate upfront.
Most borrowers get a pre-approval decision within one business day. Faster than most people expect — because we know what we're doing.
We order an appraisal to confirm your home's current market value. The CLTV calculation — and your final loan amount — is based on the appraised value.
Income Documentation
Your existing first mortgage stays exactly as it is. You receive your home equity loan proceeds as a lump sum at closing, at a fixed rate.
We review your home value, existing mortgage balance, credit, and income type. We'll tell you which doc option works best and give you a rough equity estimate upfront.
Most borrowers get a pre-approval decision within one business day. Faster than most people expect — because we know what we're doing.
We order an appraisal to confirm your home's current market value. The CLTV calculation — and your final loan amount — is based on the appraised value.
Income Documentation
Your existing first mortgage stays exactly as it is. You receive your home equity loan proceeds as a lump sum at closing, at a fixed rate.
Who This Is For
You've built equity over years of payments and appreciation. Here's when tapping into it makes the most financial sense.
You're Funding Home Improvements
Kitchen remodel, addition, ADU, or major renovation — a home equity loan gives you the lump sum you need at a rate tied to your property, not a credit card.
You Want to Consolidate Debt
High-interest credit cards and personal loans are replaced by a single lower-rate payment secured by your home equity. Often cuts monthly obligations significantly.
You're Funding Education Costs
Tuition, trade school, or graduate programs. Accessing home equity often beats student loan rates — and keeps the money in the family.
You're an Investor Funding a Down Payment
Pull equity from your primary or existing investment property to fund the down payment on your next acquisition — without liquidating other assets.
You're Self-Employed
Traditional lenders decline self-employed borrowers for home equity because their tax returns understate income. Our bank statement and P&L options fix that.
You Have a Low Rate on Your First Mortgage
Don't replace a 3% first mortgage with a cash-out refi at today's rates. A home equity loan leaves your first untouched and gives you what you need.
The FlexPoint Difference
Nearly 30 years and over $5 billion funded. Here's what that experience means on your home equity loan.
Tell us a little about your home and income situation. We'll give you a real number within 24 hours — no credit pull, no pressure.
By submitting this form, you consent to be contacted by FlexPoint Inc. regarding your inquiry. This is not a commitment to lend. All loans subject to credit approval. Restrictions apply. Some products may not be available in all states. FlexPoint Inc. NMLS #243082.
FAQ
The questions homeowners ask us most before tapping their equity.
Licensed & Regulated
NMLS #243082 — fully licensed and compliant across all states where we operate.
Nearly 30 Years of Experience
In business since 1996 with over $5 billion in real estate loans funded.
Integrity & Transparency
Every member of this team is held to the same standard — honest advice, no pressure, real results.
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