Cash from the house you already own.
Two fields. Thirty seconds. No credit pull.
Enter 0 if the home is paid off.
Approval in days, not weeks
Online application
Start from your phone in about a minute. Your estimate uses public records, so there's no credit pull to see it.
No credit pull to check
Checking what you could access leaves no mark on your credit report. A soft pull happens only if you ask us for a full quote.
Close in as little as 5 days, for $0 fees
Zero out-of-pocket expenses. Flexible origination options, rolled into the new loan.
No appraisal
No appraisal required on loans up to $400,000.
Borrow up to $750k
Lines up to $750,000, subject to your equity, credit and full underwriting.
A named person, not a queue
You deal with one licensed originator from the first call to closing, and you have his direct number.
Compare your options
How a home equity line stacks up against an unsecured personal loan.
| Feature | HELOC | Personal loan |
|---|---|---|
| Secured by | Your homeA lien is recorded against the property | Nothing |
| Typical amount | Up to $750k | Up to $100k |
| Rate | Usually lowerBecause it's secured | Usually higher |
| Term | Longer | Shorter |
| Interest tax deductible | SometimesOnly when used to improve the home — ask a tax professional | No |
General comparison of product types, not an offer or a quote. Personal loan figures are typical market ranges and vary by lender. Your own rate, term and amount depend on your credit, income, property and full underwriting — the 90% combined loan-to-value ceiling above is a maximum, not an entitlement.
Check what you could accessThree steps, start to finish
No branch visit, no stack of paperwork before you know whether it’s even worth doing.
Check what you could access
Enter your address. We pull an automated value from public records and show what a line against it could look like. No credit check, no obligation.
Talk it through
A short call to confirm the real numbers — your actual value, balance, income and credit. This is where the estimate becomes a quote.
Apply and close
If the numbers work, we submit the application and handle underwriting and signing with you. Funding in as few as five days.
You'll be working with
Edgar Frias
Vice President, MLO · NMLS #391473 · CA DRE #01794104
Nearly two decades in real estate and mortgage lending, helping clients find the right loan since 2005. You get one licensed originator from the first call through to closing — the same person every time.
What clients say
4.87 average from 85 verified reviews
Edgar and his team really took care of me and made this process as stress free as possible. There were no surprises, no pressure and I had an overall great experience!
Review 1 of 8. Jackson E. Edgar and his team really took care of me and made this process as stress free as possible. There were no surprises, no pressure and I had an overall great experience!
Call us!
(949) 418-4845License information
Edgar Frias · Vice President, MLO
NMLS #391473 · CA DRE #01794104
West Capital Lending · Company NMLS #1566096 · CA DRE #01794106, 02022356
17911 Von Karman Ave, Suite 400, Irvine, CA 92614
Important disclosures
QuickEasy HELOC is a DBA of West Capital Lending. Loans are originated by Edgar Frias, Vice President, MLO and Licensed Mortgage Loan Originator — Individual NMLS #391473 | CA DRE #01794104. West Capital Lending is a licensed mortgage company — Company NMLS #1566096 | CA DRE #01794106, 02022356. Business address: 17911 Von Karman Ave, Suite 400, Irvine, CA 92614.
This website is not an offer to extend credit or a commitment to lend. All loan applications are subject to underwriting guidelines and credit approval. Interest rates and program terms are subject to change without notice. Not all applicants will qualify. Loan amounts, interest rates, and loan-to-value ratios are subject to specific program requirements. This is not a guarantee of financing. Loans are available in states where West Capital Lending is licensed to do business. This is not available in all states. Contact us for state-specific licensing information.
Home values shown are automated estimates generated from third-party public-record and market data. They are not appraisals, were not prepared by a licensed appraiser, and may differ materially from a lender-ordered valuation. Figures shown by the calculator are illustrations, not credit decisions. A home equity line of credit is secured by your home; if you do not make the required payments you may lose your home through foreclosure.
For consumer complaints or concerns, please contact us directly or visit the NMLS Consumer Access page at www.nmlsconsumeraccess.org. Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law. We are committed to the principles of the Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate based on race, color, religion, national origin, sex, marital status, age, familial status, disability, or any other protected class.
Figures shown anywhere on this page — including the maximum line, the combined loan-to-value ratio, timelines, and any comparison against other loan types — are illustrations of generally available product features, not an offer, a quote, or a commitment to lend. Your own rate, term, amount and eligibility depend on your credit, income, property and full underwriting. Comparisons to personal loans describe typical market characteristics of those products and vary by lender.