FIND TOP HELOC BROKERS & LENDERS
Get upto $750,000 Without Refinancing
Get funded in as little as 5 days with
No Appraisal and No Hassle.
Your 1st mortgage rate stays exactly where it is.
- ✓Funded in as little as 5 days
- ✓No appraisal required
- ✓Keep your low 1st mortgage rate
Soft Check
No impact to your credit
Licensed Partners
Vetted brokers & lenders
256-bit
Bank-level encryption
Equal Housing
Opportunity
See how much you could borrow with a HELOC
The amount you can borrow with a HELOC depends on things like your home's value and the share of it our partner lenders will let you borrow against.
To estimate it, we start with the equity in your home — partner lines run from a minimum of $50,000 to a maximum of $750,000.
Drag the handles to adjust values
$800,000
Current Home Value
$550,000
Remaining Mortgage
Checking your rate today won't impact your credit!
In this scenario, you could qualify to borrow up to
$90,000
*Based on borrowing 80% of your current home value
Partner Lenders in 31 States
Lending Sidekick works with brokers and lenders across the country. Hover over a state to check availability.
Same Fast Service, Coast to Coast
- 5-day funding in all licensed states
- No appraisal required anywhere
- Local brokers who know your market
- Dedicated team for every region
Going It Alone vs. Lending Sidekick
Why chase one bank for weeks when brokers and lenders can compete for you?
| Feature | Traditional HELOC | Lending Sidekick |
|---|---|---|
| Time to Funding | 30–45 days | As fast as 5 days |
| Appraisal Required | Yes | No |
| Your 1st Mortgage Rate | May need to refinance | Stays exactly the same |
| Application Process | Paper-heavy, in-person | 100% Digital |
| Closing Costs | 2–5% of loan | Minimal to none |
| Credit Score Needed | 700+ | 640+ |
FAQs
What is a HELOC?+
A Home Equity Line of Credit lets you borrow against the equity in your home — the difference between what it's worth and what you owe. You draw funds as needed and only pay interest on what you use.
Will a HELOC change my current mortgage rate?+
No. A HELOC is a separate second lien, so your existing first mortgage and its rate stay exactly the same.
How much can I borrow?+
Typically up to 80% of your home's value minus your mortgage balance, with lines from $50,000 up to $750,000 depending on the lender.
How does Lending Sidekick work?+
We're not a lender. You fill out one short form and we match you with licensed HELOC brokers and lenders who fit your situation, so you can compare offers instead of shopping bank by bank.
Are there closing costs or fees?+
Using Lending Sidekick is free. Closing costs vary by lender, and many partners offer low or no closing costs. Your offer will spell it out.
Who is eligible?+
U.S. homeowners in eligible states, generally with a credit score of 640 or higher and enough equity in their home.
How fast can I get my money?+
With a fully digital process and no appraisal, many homeowners are funded in as little as 5 days.
What can I use the funds for?+
Anything — home renovations, debt consolidation, education, emergencies, or major purchases.
Can I speak with a real person?+
Yes! After you answer a few quick questions, a licensed broker or lender from our network will contact you by phone.
Why do you ask for my personal information?+
So we can match you with the right lending partner for your situation. Checking your rate is a soft inquiry and won't affect your credit.