Unlock Your Home’s Equity – Get Funded in as Few as 5 Days
Privacy Policy
Privacy Policy / Terms of Service | ADA Accessibility Statement
"This Privacy Policy governs the manner in which West Capital Lending, herein "Company" collects, uses, maintains and discloses information collected from users (each, a “User”).
This privacy policy applies to the Site and all products and services offered by Company.
Personal identification information
We may collect personal identification information from Users in a variety of ways, including, but not limited to, when Users visit our site, register on the site, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features or resources we make available on our Site. Users may be asked for, as appropriate, name, email address, phone number. Users may, however, visit our Site anonymously. We will collect personal identification information from Users only if they voluntarily submit such information to us. Users can always refuse to supply personally identification information, except that it may prevent them from engaging in certain Site related activities.
Non-personal identification information
We may collect non-personal identification information about Users whenever they interact with our Site. Non-personal identification information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information.
Web browser cookies
Our Site may use “cookies” to enhance User experience. User’s web browser places cookies on their hard drive for record-keeping purposes and sometimes to track information about them. User may choose to set their web browser to refuse cookies, or to alert you when cookies are being sent. If they do so, note that some parts of the Site may not function properly.
How we use collected information
No mobile information will be shared, as described in §5.1.4 of CTIA Messaging Principles and Best Practices, with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Message frequency varies per user. Message and data rates may apply. Text HELP for help. Text STOP to Unsubscribe. Carriers are not liable for delayed or undelivered messages.
We may collect and use Users personal information for the following purposes:
To improve customer service: Information you provide helps us respond to your customer service requests and support needs more efficiently.
To personalize user experience: We may use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site.
To improve our Site: To send messaging to those individuals when they have consented to such messaging.
To complete the services requested: Information is used to complete the service requested by the user.
How users consent to messaging
The user fills out a form on the website where they can consent to receive notification messages from our company. There is also a box they can check to receive product updates and/or marketing messages. The messaging disclosure is displayed to users by this form.
By submitting your phone number, you are authorizing us to send you text messages and notifications. Message frequency may vary. Message/data rates apply. Reply STOP to unsubscribe to a message sent from us.
How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of your personal information, username, password, transaction information and data stored on our Site.
Our Site is in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users.
Compliance with children’s online privacy protection act
Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our Site from those we actually know are under 13, and no part of our website is structured to attract anyone under 13.
Changes to this privacy policy
Company has the discretion to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.
However, as stated above, Company will never share mobile information with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; again, this information will not be shared with any third parties.
Your acceptance of these terms
By using this Site, you signify your acceptance of this policy. If you do not agree to this policy, please do not use our Site. Your continued use of the Site following the posting of changes to this policy will be deemed your acceptance of those changes.
ADA Accessibility Statement
We’re committed to providing a website that is accessible to all its customers and compliant with accessibility guidelines. We are continually making improvements to meet these guidelines, and our website has been designed with accessibility in mind. If you need assistance or have specific questions or feedback about this site’s accessibility.
Licensing
Our company is not endorsed by, nor acting on behalf of or at the direction of, the U.S. Department of Housing and Urban Development, Federal Housing Administration, the Veterans Administration, the U.S. Department of Agriculture or the Federal Government. This material is informational only and does not constitute an offer to lend or recommend available products. This is not an advertisement to extend credit as defined by Regulation Z nor an application for credit as defined by RESPA/Regulation X. All applications are subject to underwriting guidelines and approval based upon the credit, assets, value of subject property and borrower’s ability to repay. Not all applications may be eligible for or qualify for all loan products offered. All loan programs, terms, rates, fees and conditions are subject to change without notice. Some loan products may not be available in all states. Please speak with one of our loan originators for more details.
Access up to $750,000 without touching your low mortgage rate.
Fast approvals, no appraisal, and no prepayment penalties.
© 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.