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Silt Capital / Home equity lines

Unlock the equity
you already own.

Your next move. Without giving up your first mortgage.

A home equity line lets eligible owners borrow against property equity without replacing their first mortgage. Rental, second-home and primary-residence lines are subject to credit, income, property and state eligibility.

Check eligibilitySee what you could unlock
The complete HELOC guide
$15K–$750KLine amounts
Fixed rateInitial draw · variable where available
5 business daysAs few as · funding
No appraisalUnder $400K · automated valuation
Rentals, second homes, primariesEligible property types
How it works

Equity into capital.
In three moves.

A full-draw line, not an unused credit limit. Know the payment before you borrow.

01

See your offer

A soft credit check to see an offer, in minutes. Final credit, income and property checks still apply.

02

Full line funded at closing

The whole line is drawn, less fees. Eligible lines use an online notary. Repayment begins on the full amount.

03

Repay, redraw, repeat

Repaid principal becomes available during the draw period. Each redraw has the rate and terms available on its own date.

Who it’s for

Same equity.
A different next move.

Three-story brick rental home with a wide lit porch on a tree-lined street at dusk

The landlord sitting on equity

A rental worth $600,000 has a $300,000 first mortgage. Its owner wants a down payment for another property without refinancing the existing loan. At an illustrative 85% combined LTV, the arithmetic leaves $210,000. Before drawing, the landlord checks that existing income covers both payments even if the next rental sits vacant, and budgets the fees alongside the purchase costs.

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House mid-renovation with scaffolding, a dumpster and new windows waiting to be set at sunset

The BRRRR investor

An investor owns a $500,000 property with a $200,000 first mortgage and is considering a cash purchase that needs work. At an illustrative 85% combined LTV, $225,000 is available before fees. The plan uses equity for acquisition, then a rental refinance to repay the line. The investor still needs reserves if construction overruns or the exit valuation comes in lower.

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Row of brick townhouses with iron stoops along a tree-shaded sidewalk in late evening light

The homeowner with a cheap first mortgage

A homeowner has a $900,000 primary residence and a $400,000 mortgage at its existing rate. A second lien could leave that first loan untouched. At an illustrative 85% combined LTV, the maximum is $365,000. The home secures the new borrowing: the owner sizes it to a known purpose and a payment affordable from existing income, not a hoped-for investment return.

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The arithmetic · illustrative

What could you unlock?

Value × 85% combined LTV − first mortgage. The 85% ceiling is an assumption, not a lender commitment. Actual eligibility and fees vary.

Illustrative · Rental

$600K property

85% of property value
$510,000
Less first mortgage
−$300,000
Potential line
$210,000

Automated valuation path — line is below $400,000.

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Illustrative · Investment property

$500K property

85% of property value
$425,000
Less first mortgage
−$200,000
Potential line
$225,000

Automated valuation path — line is below $400,000.

Run this scenario
Illustrative · Primary residence

$900K property

85% of property value
$765,000
Less first mortgage
−$400,000
Potential line
$365,000

Automated valuation path — line is below $400,000.

A $900K value does not itself trigger an appraisal: this $365K line is below the threshold. A line over $400K would require one.

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Where Silt Capital works

A national desk.
A local decision.

Home equity line availability varies by state.

Varies by state — check eligibility

Check eligibility
Alabama — Silt works hereAlaska — Outside Silt footprintArizona — Silt works hereColorado — Silt works hereFlorida — Silt works hereGeorgia — Silt works hereIndiana — Silt works hereKansas — Silt works hereMaine — Silt works hereMassachusetts — Silt works hereMinnesota — Outside Silt footprintNew Jersey — Silt works hereNorth Carolina — Silt works hereNorth Dakota — Outside Silt footprintOklahoma — Silt works herePennsylvania — Silt works hereSouth Dakota — Outside Silt footprintTexas — Silt works hereWyoming — Outside Silt footprintConnecticut — Silt works hereMissouri — Silt works hereWest Virginia — Silt works hereIllinois — Silt works hereNew Mexico — Silt works hereArkansas — Silt works hereCalifornia — Silt works hereDelaware — Silt works hereDistrict of Columbia — Silt works hereHawaii — Outside Silt footprintIowa — Silt works hereKentucky — Silt works hereMaryland — Silt works hereMichigan — Silt works hereMississippi — Silt works hereMontana — Silt works hereNew Hampshire — Silt works hereNew York — Silt works hereOhio — Silt works hereOregon — Outside Silt footprintTennessee — Silt works hereUtah — Outside Silt footprintVirginia — Silt works hereWashington — Silt works hereWisconsin — Silt works hereNebraska — Silt works hereSouth Carolina — Silt works hereIdaho — Silt works hereNevada — Silt works hereVermont — Outside Silt footprintLouisiana — Silt works hereRhode Island — Silt works here
Where Silt worksOutside Silt footprint
Where Silt Capital works
The complete guide

Everything else,
in detail.

Draw structure, payment math, credit, timelines and when home equity is the wrong tool.

Read the complete guide
All HELOC answers HELOC vs cash-out refiHELOC on a rentalHELOC to buy a rentalFixed-rate HELOCHow fast a HELOC fundsHELOC requirementsHELOC fees and costsHELOC on a second homeCan I get a HELOC on a rental property?HELOC on a property owned by an LLC — what are my options?HELOC vs DSCR cash-out refinance for a landlordUsing a HELOC to fund a BRRRRHELOC for the down payment on a rental propertyHow much HELOC can I get on my rental?HELOC with no appraisal — how automated valuation worksHow fast does a HELOC fund?
Quick answers

Before you draw.

What can I use a home equity line for?+

A HELOC can turn existing property equity into funds for a purchase, renovation or another planned use. Size the line to a clear repayment source.

Can I use equity from a rental?+

Investment-property lines are available to eligible individuals and revocable trusts, not LLCs. Credit, income, title and property requirements apply.

Will my first mortgage change?+

A HELOC is a second lien. Your existing first mortgage stays in place, with its own rate and payment.

Do I draw only what I need?+

This product funds the entire line at closing. Principal and interest payments begin on that amount. Repaid principal can be redrawn during the draw period, at the terms then available.

How quickly can it fund?+

Funding is available in as few as five business days, with an online notary for eligible lines. That is not a guaranteed timeline. Appraisal, title and state requirements can add time.

Is it available in my state?+

Home equity line availability varies by state. Check eligibility rather than treating the Silt footprint map as a lender eligibility map.

Your equity. Your next move.

Put a number
on the possibility.

Check eligibilitySee what you could unlock

Reviewed October 2026 · Silt Capital desk

Home equity lines are offered through a lending partner; Silt Capital does not originate HELOCs. Terms and eligibility are set by the lender.