Unlock Your Home Equity
The Smart Way.
Access your equity without changing your mortgage, without hurting your credit, and without getting blown up by calls.
- Soft Pull First — No credit impact
- Keep Your Rate — No refinance needed
- One Contact — No spam, no marketplaces
Speak to My AI Assistant
(949) 702-8443 · Available 24/7
Info only — does not quote rates or approve loans
Your Single Point of Contact
Eddie Barragan
- Soft pull first — your score stays safe
- One call to walk through numbers (if you want)
- No marketplaces, no sold leads, no spam
What a HELOC Lets You Do
Soft Pull — No Credit Impact
Why Most Homeowners Get This Wrong
You don't need to refinance to use your equity.
If You...
- Bought or refinanced before rates jumped
- Have equity but don't want a new payment
- Were told "refi doesn't make sense right now"
You may still have smart options.
A HELOC Lets You...
- Access cash only if and when you need it
- Keep your current mortgage intact
- Pay interest only on what you use
Not Sure How Much You Can Access?
Use our free equity calculator to see your potential HELOC amount in 60 seconds. No credit check required.
How This Works
Soft Pull First
We start with a soft credit check — no impact to your score. See if you qualify without any risk.
See Real Options
You'll see whether a HELOC (or another strategy) actually makes sense for your situation.
One Point of Contact
No marketplaces. No spam. Only one call to walk through the numbers if you want.
Expanded Eligibility — More Options Than Traditional Banks
Self-Employed
Alt-Doc Options*
Revocable Trusts
Often Eligible*
Second Homes
Vacation Equity
Investments
Grow Portfolio
*Program availability varies by lender, state, credit, and CLTV. Subject to underwriting approval.
Common Questions
Will this affect my credit?
No. The initial review uses a soft pull. Your score stays exactly where it is.
Am I applying for a loan right now?
No. This is a no-obligation eligibility check. You're just exploring your options.
Do I have to take the money?
No. A HELOC gives you access, not a forced draw. Use it only when and if you need it.
What if a HELOC isn't right for me?
You'll be told that upfront. No pressure, no games. We'll explain why and suggest alternatives if they exist.
Why Homeowners Choose This Route
Keep Your
Low Rate
No Refi
Closing Costs
Flexible
Access
Smarter Than
High-Interest Debt
Clear Answers
Before Committing
You don't need to guess. You don't need to commit.
You just need to see your options first.
What Our Clients Say
"Eddie was a true pleasure to work with! By far the best loan officer I have worked with. Fast, professional, and got me exactly what I needed."
Edward Tucker
Verified Client
"Best lending experience I have ever had. Eddie guided me throughout my Home Equity Loan with patience and expertise."
Terry Cordisco
Verified Client
"We were able to get funded with a HELOC loan which got us out of debt and saved our home. Forever grateful!"
Michelle Simpson
Verified Client
Start With Clarity — Not Guesswork
You don't need to guess. You don't need to commit.
You just need to see your options first.
