Unlock Your Home's Equitywith BrightPath
Access up to $400,000 with competitive rates. Fast approval. No closing costs on most loans.
Simple Process
How It Works
Getting your HELOC has never been easier. Our streamlined process gets you from application to funded in record time.
Apply Online
Complete our quick 5-minute application from the comfort of your home.
Get Your Offer
Receive a personalized HELOC offer instantly with your rate and credit limit.
Access Your Funds
Draw from your credit line as needed, whenever you need it.
Why BrightPath
Benefits Built for Homeowners
We combine the best of fintech and lending expertise to deliver a HELOC experience that puts you first.
No Closing Costs
Save thousands compared to traditional HELOCs. Most loans have zero closing costs.
Flexible Draw Period
Access funds when you need them throughout the draw period. Pay interest only on what you use.
Competitive APRs
Rates starting from 8.50% APR. We work to get you the most competitive rate based on your profile.
Fast Approval
Get your personalized offer in minutes, not days. Our technology makes decisions fast.
Loan Amounts up to $400K
Borrow what you need based on your available home equity. Limits up to $400,000.
Powered by Figure
Industry-leading fintech platform. Figure's technology delivers a fully digital HELOC experience.
Got Questions?
Frequently Asked Questions
Everything you need to know about our HELOC product.
What is a HELOC?
A Home Equity Line of Credit (HELOC) is a revolving credit line secured by your home. It works similarly to a credit card — you have a maximum credit limit based on your home equity, and you can borrow, repay, and borrow again as needed during the draw period. You only pay interest on the amount you actually borrow.
How much can I borrow?
You can borrow up to $400,000 with a BrightPath HELOC. The exact amount depends on your available home equity (typically up to 85% of your home's value minus your existing mortgage balance), your credit score, income, and other factors. Use our application to get your personalized credit limit.
What credit score do I need?
We typically work with homeowners who have a credit score of 640 or higher. Higher credit scores generally qualify for better rates. However, we evaluate each application holistically, considering your income, equity, and overall financial picture. Apply to see what you qualify for.
How long does the application take?
Our streamlined application takes approximately 5 minutes to complete online. Once submitted, you can receive a personalized offer within minutes. The full funding process, including any required documentation, typically takes a few business days.
Are there any fees?
Most BrightPath HELOC loans have no closing costs. There are no origination fees, appraisal fees, or title insurance fees on qualifying loans. We believe in transparent pricing with no hidden charges. There may be a small annual fee depending on your loan terms, which will be clearly disclosed before you accept your offer.
Still have questions?
Call us: (800) XXX-XXXXReady to Unlock Your Equity?
Join thousands of homeowners who have unlocked their home equity with BrightPath. Apply in 5 minutes and get your offer instantly.
No obligation. No hard credit pull to check your rate.