5-Day HELOC

Empower yourself as a homeowner to tap into your home equity without giving up your mortgage rate. This smart mortgage option lets you access extra funds to cover expenses, make investments, or pay off existing debt—in just a few days.

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What Is a 5-Day HELOC?

A 5-Day HELOC (Home Equity Line of Credit) is a type of home equity loan that allows homeowners to borrow against the equity in their home with a streamlined application and approval process designed to fund in as little as five days. Unlike traditional HELOCs, which can take weeks to close, this expedited timeline provides quick access to funds for immediate financial needs.

How Does a 5-Day HELOC Work?

Standalone HELOC: for 1st, 2nd and 3rd lien positions

Up to $400k: with terms of 5, 10, 15, or 30 years

Fast funding: apply in minutes with funding in as few as 5 days

Pay for other expenses: such as home renovations or debt consolidation

Benefits of a 5-Day HELOC

100% Online
Application

There is no need to visit the bank—apply easily from the comfort of your home.

Competitive
Rates

Offers competitive rates compared to alternative options like personal loans and credit cards.¹

Fast
Funding

Complete your application in just minutes and receive funding in as little as five days.²

Keep Mortgage
the Same

Tap into your home equity and keep the terms of your current loan the same.

Reasons to Get a 5-Day HELOC

A HELOC allows homeowners to regain financial control by providing flexible access to funds for various needs, from debt repayment to unexpected expenses and more.

Debt Repayment

Pay off existing debts and lower your overall interest rates, helping you regain financial control.

Home improvements

Invest in your home’s value and comfort with immediate funds for renovations or upgrades.

Emergency Expenses

Gain peace of mind with quick access to funds when unexpected costs or bills arise.

Mortgage Lending Simplified

Download the free RWM Home Loans Fluid Mobile App today and get started on your journey to homeownership.

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Constant communication of needs and issues. Drafting of key documents in timely way. Friendly interactions and commitment to service.

Noah B.

Good communication, great staff and high level of professionalism.

James G.Company Name

The team was tremendously attentive to our every need and only had our goals and best interests in mind. Would work with them again anytime.

Brian S.Company Name

Everyone on the team was really professional, helpful and dedicated to make the whole process as smooth as possible. Whenever we had a question or concern, we always received a prompt reply.

Andriry K.Company Name

Extremely responsive, website was brilliant, clear list of what we needed and stayed on us until it was complete, knew who to send us to for tax transfer from our previous house. We will definitely refer our friends and family to RWM.

Kirk C.Company Name

The communication on the process and the ability to sign documents electronically was a life saver. The availability and speed of answers were great.

Angelina B.Company Name

You helped me understand all my options, which made me feel more confident in the decision I had to make. You were on top of everything that had to be done and kept things moving in an efficient way.

Julie M.Company Name

The team was easy to work with and willing to answer all of my questions. They even worked with a notary in North Carolina so I didn’t miss my vacation.

Melody T.Company Name

Everything was fully explained from the beginning, and I felt like we worked as a team when we went step by step in our journey of getting financed for our first home.

Ana E.Company Name

Buying a house can be overwhelming but when you have someone you trust it makes it so much easier. We felt assured that we were in good hands and that we would get to the finish line during the escrow process.

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348 Reviews

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(1) With a HELOC, your home is used as collateral. Protect your property by staying on track and on-time with repayment.

(2) 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. Five business day closing assumes closing the loan with our remote online notary. Closing timelines will be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing.