The Studio A team at Rize Mortgage  ·  Plantation, FL  ·  Your direct contact: Geoffrey Nguyen
Direct(760) 608-9941 · Geoff.Nguyen@homeloanstudio.com
Home Loan Studio · A Team at Rize Mortgage Start a conversation
Home Equity Line of Credit

The 5-day HELOC.

Tap your equity without touching your first mortgage rate. Apply in minutes, fund in as few as five business days, entirely online. Send the inquiry below and the full application arrives in your inbox from Figure.

Why this product

Equity, without the refinance.

A standalone HELOC that sits in first, second, or third lien position, funded in full at closing. Built for people who do not want to give up a low first-mortgage rate.

Speed
Application takes about five minutes. Funding in as few as five business days with remote online notary.
Amount & terms
Up to $750,000. Terms of 10, 15, 20, or 30 years. Full draw taken upfront at closing.
Lien position
Standalone HELOC available in first, second, or third lien position. Your existing mortgage stays exactly where it is.
Rate
Lower rates than the usual alternatives — personal loans and credit cards — because the line is secured by your home.
Fully online
100% online application and closing. No branch visit, no paper packet.
Common uses
Renovations, debt consolidation, tuition, business capital, or a bridge to a future purchase.

This product requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Approval may be granted in five minutes but is subject to verification of income and employment and a property condition report. Five-business-day closing assumes closing with a remote online notary; timelines run longer in counties that do not permit recording of e-signatures or that require an in-person closing.

Income verification

Link your accounts. Skip the paperwork.

Income can be verified by securely linking your deposit accounts through Plaid — the deposits are analyzed to calculate income, usually in minutes. No paystub hunting required.

Quickest
Link a personal checking or savings account through Plaid. Deposits are analyzed to calculate gross income. Accounts need at least 85 days of history. Business accounts can be used too.
Tax returns
Link your tax preparation service or an IRS.gov account. Most recent filed year. Electronic linking only — physical tax documents cannot be reviewed.
Payroll provider
Link a payroll provider such as ADP. Requires at least three paystubs, one dated within the last five weeks.
Asset accounts
Link retirement, brokerage, money market, or CD accounts to calculate income from balances. Under age 59½, 70% of retirement assets can be used.
Upload instead
A recent paystub or a Social Security, VA, pension, or annuity award letter can be uploaded for manual review, typically one to two business days.
Spousal income
Your spouse's income can be included in most states. It cannot be used in CT, DE, GA, HI, IN, ME, MD, MA, NY, OR, PA, RI, UT, or VA.
Inquiry

Start the 5-day HELOC.

Everything below is what the lender needs to open the file. Once it is submitted, Geoffrey enters the inquiry with Figure and the online application is sent directly to the borrower's email.

Property information
Borrower information

For verification purposes, please provide the legal name of the borrower as it appears on their government-issued ID.

Borrower must be at least 18 years old to apply, or 19 if the borrower resides in Alabama.
The Figure online application link is sent to this address.
Financial information
You may include income considered community or marital income in your state. Disclosure of alimony, child support, or separate maintenance payments is not required.
Ask a question first

Submitting this inquiry is not an application and is not a commitment to lend. Geoffrey Nguyen submits the inquiry to Figure, and Figure sends the online application directly to the borrower's email. Equal Housing Lender.