100% online application
No in-person appraisal needed for loans under $400k. Get approved in 5 minutes.2
Fast and easy HELOC
with SABIZ Loans
- No in-person appraisal required2
- 100% online application, 5 minute pre-approval. Funding in as few as 5 days for loans under $400k2
- Borrow from just $15k up to $750k. Redraw up to 100% as you repay3
- Fixed and variable rate options available!1
Checking your rate will not affect your credit score4
Opens in a new tab.
SABIZ HELOC
Your next step
Explore your home's potential.
Illustrative amount$200,000
1Check your options
2Complete your application
3Receive a decision
Process illustration; not a credit approval.
100% online application
Guidance at every step
Repay and draw again
$30B+Loans funded
382K+Households served
4.7★Trustpilot rating
Featured in
REAL SIMPLE
Fewer steps. More possibilities.
Approval in 5 minutes, funding in as few as 5 days2
Fixed & variable rate options
You can lock in a fixed rate so you always know how much your payment is. Variable rate options are still available so you can choose what's right for you.1
Borrow up to $750k
Borrow up to $750,000 with one-time origination fee.3
Online video notary & support
Benefit from easy online notary services available in most locations, and expert support. We've got you covered.2
How does SABIZ HELOC compare against other options
Explore your options and see why our straightforward online application, quick funding, and competitive rates make us the smart choice for your financial needs.
| Features | SABIZ HELOC | Traditional Bank HELOC | Average Personal Loan |
|---|---|---|---|
| Application | 100% online, see your rate instantly | Varies by lender, may require in-person processes | Varies by lender |
| Prepayment penalty | Never | Possible, varies by lender | Possible |
| Tax deductible | For home improvement (be sure to consult a tax professional)7 | For home improvement (be sure to consult a tax professional) | Not tax deductible for personal use |
| Funding speed | Funding in as few as 5 days on loans under $400k2 | Could be weeks | Varies, generally quick |
| Average APR | Competitive rates5 | Variable rates, potentially higher | Typically higher than HELOCs |
For what you have in mind
What can I use a home equity line of credit for?
A HELOC can be used for many different purposes such as:
Home improvement
Finance your next project.
High interest debt consolidation
Tap equity to simplify debt into one easy payment.
Education
Pay for college tuition at a lower rate.
Fund Business
Finance your business ventures.
Retirement
Major purchases, and more.
Adjust the chart below to create the custom amount that relates to you.
Use our HELOC calculator to see how much you could qualify to borrow
The amount you can borrow with a HELOC will vary based on certain factors such as the appraised value of your home and what percentage of that value the lender will allow you to borrow.
To determine how much you can borrow with a HELOC, you need to first calculate the maximum amount of equity that could be borrowed. SABIZ HELOC loan amounts range from a minimum of $15,000 to a maximum of $750,000.3
Checking your rate today won’t impact your credit!
In this scenario, you could qualify to borrow up to
These values do not leave equity available under the 80% assumption. Adjust the home value or remaining mortgage.
Check Out Your Rate*Based on borrowing 80% of your current home value
Let's answer your questions
Frequently asked questions
What is a home equity line of credit (HELOC)?
A home equity line of credit, or HELOC, is a revolving line of credit. Instead of receiving a one-time loan amount as you do with a traditional loan, a HELOC gives you a borrowing limit (or credit limit). As you repay the balance, you can withdraw money from the credit line as you would with a credit card when you need it. A HELOC is secured by your home as collateral.
How much would my monthly HELOC payment be?
Your monthly HELOC payment depends on your loan amount, interest rate, term, fees and additional draws. Review the payment shown in your offer.
What’s the difference between a HELOC and a home equity loan?
A home equity loan provides a lump sum with fixed payments and interest, usually over 5 to 20 years, and is often used for major home repairs or debt consolidation. In contrast, a traditional HELOC offers a flexible credit line for ongoing expenses, allowing you to borrow as needed over a set period. SABIZ HELOC gives you the full amount upfront with fixed or variable interest rate options, but like a traditional HELOC, you can borrow again once part of the principal is repaid.1
What are the requirements to qualify for a HELOC?
To qualify for a HELOC, you must have sufficient equity in your home, meaning the amount you owe must be less than the home's current value. Lenders typically allow borrowing up to 85% of the home's value minus what you owe. Besides equity, lenders consider factors like credit score, credit history, employment, income, debt payments, and debt-to-income ratio to determine approval, credit line amount, and interest rate. The qualification process is similar to applying for a mortgage, so it's important to research and ensure you meet specific lender requirements before applying.
Can I apply with a property owned by an LLC?
Yes. SABIZ HELOC accepts properties held in LLCs as eligible collateral, as long as all standard underwriting requirements are met.
Is SABIZ HELOC tax deductible?
You may be able to deduct interest paid on a home equity product if the loan is used for home improvement. You should consult a tax advisor regarding the deductibility of interest and charges.
How do HELOC interest rates work?
There are lenders that offer both variable rate and fixed interest rate home equity lines of credit. SABIZ HELOC offers both fixed and variable options so you can choose the option that works best for you. A fixed-interest rate HELOC can provide payment predictability and peace of mind for borrowers. A variable-interest rate can change over time and follows the market. Some months your payment could be higher, and some months it could be lower.
How long does it take to get a HELOC?
Most applicants can complete the application in 5 minutes and you'll receive the results of your prequalification request immediately. However, final approval is subject to verification of income and employment, as well as the condition of the property.2
Get started
with a HELOC
Apply online in minutes, with funding in as few as 5 days. Enjoy competitive rates and get the funds you need, fast.2
Find my HELOC rateImportant information and conditions
Subject to credit approval and program requirements. Your loan documents determine the terms that apply.
- Disbursement and rates. SABIZ HELOC initially disburses 100% of the amount, less the origination fee. With the fixed option, each additional draw may carry a different fixed rate based on the Prime Rate published by The Wall Street Journal for the month before the draw, plus a margin. With the variable option, the rate and payment adjust monthly according to the contractual index and margin, subject to a rate floor and cap; the balance of all draws is subject to adjustment. Additional draws are available only during the allowed period. For this program, the variable option is not available in MA, VA, MS, IL, WI, VT, DC, OK, TX, NY, CO, WY, WV, and SC.
- Approval and timing. Possible approval in five minutes is subject to verification of income, employment, and at least average property condition through a report. The five-business-day timeline assumes closing with a remote online notary and an amount below $400,000 with no appraisal required. Appraisals, in-person signing, electronic recording restrictions, or local waiting periods may extend the timeline. Loans above $400,000 require an appraisal.
- Amounts and eligibility. Loan amounts range from a minimum of $15,000 to a maximum of $750,000. The minimum is $25,001 in Alaska and $35,000 in Texas. Your individual maximum may be lower and depends on home value, lien position, credit profile, verified income, and available equity. Value is determined through independent sources, automated valuation, or appraisal.
- Credit inquiry. The initial rate and terms check uses a soft inquiry that does not affect your score. Continuing and submitting an application involves requesting a full report from one or more credit reporting agencies; this inquiry may affect your score.
- Rates, fees, and insurance. The rate depends on credit, combined loan-to-value ratio, term, occupancy, application date, and fee options. An origination fee of up to 4.99% of the initial draw may apply. Possible costs include valuation costs of $180 when automated valuation is unavailable; appraisals of $500–$2,000 for amounts above $400,000; manual notarization of $350; recording fees of $0–$315; and recording taxes of $0–$1,400 per $100,000 borrowed, depending on location and transaction. Property insurance is required, and flood insurance may be required. HELOC APR does not include costs other than interest. Review all fees in your offer.
- Educational calculator. This tool is for illustrative and educational purposes only and does not represent a commitment to lend. It uses 80% of home value minus the mortgage balance, capped at $750,000. The actual amount depends on your credit history, verified property value, outstanding liens, debt-to-income ratio and program requirements. If approved, your amount may differ from the estimate.
- Tax treatment. Ask a tax professional whether interest and fees are deductible for your intended use and circumstances.
- Our lending partner. SABIZ HELOC brings you financing through PRMG (NMLS #75243), backed by an established lending platform. As of September 8, 2026, that platform reports $30B+ funded, 382K+ households served, a 4.7 Trustpilot rating, Money’s Best Home Equity Lenders 2026 recognition, and the featured media coverage. These distinctions belong to the platform provider.
Lender: Paramount Residential Mortgage Group, Inc. (PRMG). NMLS #75243. 1265 Corona Pointe Court, Suite 301, Corona, CA 92879. Check the lender's license ↗. Equal Housing Opportunity.
Applications for properties in New York are not accepted through this program. PRMG licenses ↗ · PRMG privacy policy ↗ · PRMG terms of use ↗.