Unlock Your Home’s Equity – Get Funded in as Few as 5 Days
house rich but need cash?
Unlock Your Home’s Equity – Get Funded in as Little as 5 Days
Access up to $750,000 without touching your low mortgage rate.
Fast approvals, no appraisal, and no prepayment penalties.
Access up to $750,000 without touching your low mortgage rate.
Fast approvals, no appraisal, and no prepayment penalties.
TESTIMONIALS
What others are saying
What others are saying
Convenient loan, no hassle.
— Flordeliza M.
Painless way to borrow money.
— Laurence J.
Figure was a breath of fresh air...
— Steve M.
Quick and painless HELOC!
— Margaret H.
STILL NOT SURE?
Frequently Asked Questions
Frequently Asked Questions
Have questions about how it works? You're in the right place!
Question 1: What is a Home Equity Line of Credit (HELOC)?
A home equity line of credit, or HELOC, is a form of borrowing that is secured by the equity you have in your home.
Question 2: 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 pre-qualification request immediately. However, final approval is subject to verification of income and employment, as well as the condition of the property.
Question 3: 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. Figure's 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.
Question 4: Can I use a HELOC to pay for medical expenses?
HELOC funds can be used to pay for procedures, surgeries, medications, hospital stays, prescriptions, medical equipment and devices, copays, home help nursing, and other medical costs.
Question 5: 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.
👋 Meet your mortgage broker
Emmanuel David Uyan
Emmanuel David Uyan
Hi, I’m Emmanuel David or just Dave for short, a licensed mortgage broker (NMLS #2623919) with West Capital Lending (NMLS #1566096) and Assets & Equity.
Through West Capital Lending — Figure Lending’s #1 broker partner — I help homeowners access the same 5-Day Figure HELOC you’ve seen online, often with wholesale-level pricing and priority support.
The entire process is 100% online — from Plaid income verification to e-notary closing — and it takes just minutes to start.
If you’re ready to see what your home qualifies for, fill out the quick form above and my team will personally review your application and walk you through the next steps.
© Copyright Assets & Equity LLC 2025. All rights reserved.
⚖️ Legal Disclosure & Terms
This website is operated by Bear Gator Solutions LLC dba Assets & Equity, operating under West Capital Lending, Inc. (NMLS #303586), a licensed mortgage broker.
We are not affiliated with or endorsed by Figure Lending LLC.
All Figure Home Equity Line of Credit (“Figure HELOC”) programs featured on this site are originated and funded by Figure Lending LLC, an independent third-party lender.
Assets & Equity acts solely in a broker capacity, assisting borrowers in comparing loan options and facilitating applications.
As a broker, we may receive compensation from the lender upon successful funding of a loan. Because we operate on a wholesale pricing model through West Capital Lending, we often have access to discounted rates and reduced closing costs compared to retail offers available directly to consumers.
Figure Lending LLC Disclosures (for accuracy and transparency):
Figure Lending LLC dba Figure 650 S. Tryon Street, 8th Floor, Charlotte, NC 28202. (888) 819-6388. NMLS ID 1717824.
For licensing information go to www.nmlsconsumeraccess.org.
Equal Opportunity Lender
For general customer support, call (888) 819-6388 Monday - Friday, 6am - 9pm PT, Saturday - Sunday, 6am - 5pm PT (excluding holidays).
Figure Home Equity Line is available in AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY.
This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the State of New York will be accepted through this site.
A Figure HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, Figure will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report.
The five-business-day funding timeline assumes closing the loan with Figure’s remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures, require in-person closings, or impose waiting periods prior to closing.
The Home Equity Line by Figure Lending LLC is an open-end product where the full loan amount (minus the origination fee) is 100% drawn at origination. The initial draw carries a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance, additional draws may be made during the draw period. The rate for each additional draw is based on the Prime Rate published in the Wall Street Journal for the preceding month plus a fixed margin and may be higher than the initial rate.