HELOCs for Realtors powered by Honest Casa
Built for commission income Check My Rate

The HELOC tailor-made for real estate agents. Approved in minutes.*

Here's how it works: check your rate in about 5 minutes — no SSN, no tax returns. Your bank statements show your real commission income, so your write-offs don't hurt you. Get approved in minutes online.* Money in your account in as fast as 3 days after approval.* And your current mortgage stays exactly as it is.

Approved in minutes online* — close in as fast as 3 days after approval*
No tax returns — your bank statements show your real commission income
Own rentals? DSCR HELOCs available too — the rent qualifies, not your income
No tax returnsBank statements = real income
~5 min rate checkBetween showings
As fast as 3 days*From approval to funded
DSCR HELOCs tooRentals qualify on the rent
Your offer is 60 seconds away 0%

How much cash do you want access to?

Drag the slider — you price homes all day, this one's easy. Check your rate as of .

$100,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

You know your comps — your best number is probably right.

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will you use the line for?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

First name is required
Last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
Property—
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

0 tax returns
Bank statements show your real deposits — write-offs stop hurting you
~5 min
To check your rate — soft pull, no SSN, between showings
Up to $750K
You know what your home is worth better than anyone
As fast as 3 days
From final approval to money in your account*

The commission-income problem, solved

Same agent, same income — two very different files.

How the bank reads you

  • $180K in commissions — minus write-offs, your Schedule C shows $70K
  • "Income is inconsistent" — because closings don't happen on the 1st and 15th
  • Two years of returns, averaged, discounted — then a smaller line or a no

How this program reads you

  • Your bank statements show the real $180K in deposits — that's your income
  • Lumpy months are normal — the year's deposits tell the story
  • No tax returns, no W-2s, no explaining your business to someone who doesn't get it

A realtor's HELOC, in 3 steps

Faster than most of your escrows.

01

Check your rate

About five minutes, fully online — soft credit pull, no SSN. Do it from the car between showings.

~5 minutes
02

Bank statements, not tax returns

Connect your bank through a secure, read-only link. Your real commission deposits do the qualifying — the write-offs that shrink your taxable income stay out of it.

No tax returns
03

Close & draw what you need

eSign with an online notary and get funds in as little as 3 days after approval.* Draw for the deal, repay at closing, draw again — it's a line, not a loan.

As fast as 3 days*

Why realtors get a yes here

Write-offs stop working against you

Mileage, marketing, desk fees, home office — you deduct like a pro, and your tax returns show a fraction of what you earn. Bank-statement underwriting reads your actual deposits instead. Your real income is your qualifying income.

Feast-or-famine is understood, not punished

Three closings in March, nothing in April — that's real estate. Statement-based review looks at the year's deposits, not whether every month matches. Banks call it inconsistent; this program calls it normal.

Fast enough to matter in a deal

Earnest money due, a flip to grab, staging for a big listing — agent opportunities have deadlines. Rate in ~5 minutes, funding in as little as 3 days after approval.* You know exactly how much that speed is worth.

Your own low rate survives

You've told a hundred clients not to give up their 3% mortgage. Take your own advice: this line sits behind your mortgage, and only what you draw costs new-money rates.

This HELOC vs. what agents usually settle for

The options, side by side.

HELOCs for RealtorsRECOMMENDEDBank HELOCCredit cards / biz line
Commission income counted Yes — bank statements Tax returns, averaged down Doesn't ask
Tax returns required No 2 years, usually No
Typical rate Home-equity pricing Similar — if approved 18–29%
Amount available Up to $750K If you qualify Usually $10–50K
Rate check without SSN Yes — soft pull No Varies
Typical time to funding As little as 3 days* 3–6 weeks Fast
Draw / repay / reuse Yes Yes Yes — at 24%

Frequently asked questions

Can a realtor really get a HELOC without tax returns?
Yes — that's the whole point of this program. Income is verified from your bank statements through a secure, read-only connection: your real commission deposits count, and the write-offs that shrink your taxable income stay out of it. No tax returns, no W-2s.
Can I get a HELOC on my rental property?
Yes — DSCR HELOCs are available for rental properties: the property's rent does the qualifying, not your personal income or tax returns. Those run through our lender network rather than the instant online flow, and your specialist matches the right program. Pick 'HELOC on my rental' in the form and it routes automatically.
My income is lumpy — big months, dead months. Is that a problem?
No. Statement-based review looks at your deposits over time, not whether every month matches. Feast-or-famine is how real estate works; this program was built with that in mind.
I'm a brand-new agent. Can I qualify?
You'll want some deposit history — generally the more consistent recent months you can show, the better. If you're newer, check your rate anyway (it's a soft pull and takes 5 minutes); the answer might surprise you, and there's no cost to finding out.
How fast can I get the money?
Rate check in about 5 minutes; funding in as little as 3 days after final approval.* No appraiser visit under $500K keeps the timeline short — the valuation runs digitally in the background.
Will checking my rate hurt my credit score?
No. Prequalification is a soft inquiry with no score impact, and no SSN is required to see your rate. A hard pull only happens if you proceed with a full application.
Does this touch my current mortgage?
No. The line sits behind your existing mortgage as a separate second lien — same rate, same payment, same lender. You've told clients to protect their low rate; this is how you take your own advice.
How much can I borrow?
Lines run from $15,000 to $750,000, based on roughly 85% of your home's value minus what you owe, plus credit. You price homes for a living — the 60-second form above runs your numbers instantly.
Who is the lender?
This site is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

You've earned the equity. Your write-offs shouldn't lock you out of it.

Check your rate in ~5 minutes — no SSN, no tax returns, no obligation.

Check My Rate Now
Check My Rate — No Tax Returns