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In This Article

For homeowners and real estate investors, accessing home equity has traditionally been a long and tedious process—until now. With new digital lending solutions, tapping into home equity is faster and more accessible than ever.

Whether you want to renovate your home, consolidate debt, or expand your real estate portfolio, more streamlined options are now available to help you unlock your equity efficiently. Figure, the No. 1 nonbank HELOC lender in the U.S., is here to help you along the way.

Benefits of a HELOC Over a Cash-Out Refinance

A HELOC (home equity line of credit) and a cash-out refinance both allow homeowners to access their home equity, but they have different purposes and distinct advantages. Here’s how a HELOC compares to a cash-out refinance.

Keep your existing mortgage rate

A HELOC is a separate line of credit from your mortgage, allowing you to keep your current low-interest mortgage rate if you’ve locked in a favorable one.

A cash-out refinance, on the other hand, replaces your existing mortgage with a new loan at today’s rates, which may be higher than what you’re currently paying.

Flexible access to funds

A HELOC works like a credit card, letting you borrow and repay as needed during the draw period, only paying interest on the amount you use.

A cash-out refinance gives you a lump sum upfront, meaning you’ll start paying interest on the full amount immediately, even if you don’t need all the cash at once.

Lower upfront costs

HELOCs often have lower closing costs than a full cash-out refinance, making them a more cost-effective option for borrowers who don’t want to pay for a full mortgage reset.

Cash-out refinances often come with higher fees, appraisal costs, and other closing expenses.

Faster approval & funding

Many HELOC providers, like Figure, offer digital applications with funding in as little as five days,* making it an excellent option for those needing quick cash access.

A cash-out refinance typically takes several weeks due to the underwriting, appraisal, and closing procedures.

When a Cash-Out Refinance Might Be Better

If you want to secure a lower mortgage rate than your current loan

If you need a large lump sum upfront for a significant purchase

If you prefer a fixed loan structure instead of a revolving credit line

Why Consider a HELOC With Figure?

1. Fast and simple digital process

Unlike traditional lenders, Figure now offers a fully online HELOC application and funding process. Homeowners can apply in minutes, receive funding in as little as five days,* and avoid the cumbersome paperwork often required by banks.

2. Competitive fixed rates

HELOCs are typically known for variable rates that fluctuate over time, but some providers, like Figure, offer competitive fixed rates* to provide stability and predictable payments. This allows borrowers to plan long-term without worrying about sudden interest rate hikes.

3. High borrowing limits

Borrowing limits up to $400,000* give homeowners and investors the financial flexibility to take on major renovations, real estate investments, and high-interest debt consolidation.

4. Ideal for real estate investors

For those looking to scale their investment portfolio, HELOCs offer quick access to capital without selling assets or dealing with traditional financing hurdles. Investors can find lending solutions that allow them to leverage their home equity to purchase additional properties, fund rehab projects, or make strategic improvements to increase rental income.

5. Transparent terms and no hidden fees

A good HELOC provider ensures a transparent, fair, and upfront process. There should be no hidden fees, prepayment penalties, or surprises—just a straightforward way to access your home’s equity on your terms.

Who Can Benefit From a HELOC?

Homeowners looking to finance home renovations or significant expenses

Real estate investors needing capital for new acquisitions or property improvements

Debt-conscious borrowers consolidating high-interest credit card debt into lower, fixed payments

Entrepreneurs tapping into equity to fund business growth

Exploring Your Options

Tapping into your home equity has never been easier. With a fully digital application process, competitive rates, and fast funding, securing financing on your schedule is more convenient than ever. Figure is one of the leading nonbank HELOC providers offering innovative solutions to help homeowners and investors make the most of their equity.

Interested in learning more? Visit Figure.com to explore your options.

Figure Lending LLC dba Figure. NMLS 1717824. *Terms apply. Visit Figure.com for more information. Equal Housing Opportunity