Unlock Your Home Equity: A Smarter Way to Finance Your Goals

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