How a HELOC works

A HELOC lets you use some of the equity in your home while keeping your current first mortgage in place. Start with a few details, and an FHL loan officer will help you understand your options.

Request my HELOC options

No obligation to apply. Options depend on eligibility and property details.

Three simple steps

Tell us what you have in mind

Share what you may use the funds for and about how much you need. “Not sure yet” is okay.

Review your options with a loan officer

We’ll reach out to discuss available programs, costs, and what your property may require.

Decide what works for you

If you choose to move forward and are approved, your loan officer will explain how funding and future access to funds work for your program.

Will I need an appraisal?

An appraisal may not be needed for some loans. We’ll confirm what your property requires.

When would I get the funds?

Funding and access to funds depend on the program. Your loan officer will explain the timing and terms before you decide.