Our home equity program turns the value you've built into cash, up front and at a fixed rate, for renovations, an ADU, debt payoff, tuition, or your next move, while keeping the first mortgage you already have. Fully online, and often closing in days, not weeks.
*Illustration only. Your amount depends on your home value, existing debt, credit, and each lender's program limits.
† Program terms are set by the third-party lender that funds your loan and are not guaranteed for any applicant. The initial draw, cash-outs, and balance transfers are fixed-rate; card purchase balances use a variable rate (WSJ Prime plus a margin), maximum APR 18%. A one-time draw fee of 1.9%–4.9% of the credit limit applies (2% origination fee in Texas) and may be financed. 2% cash back applies to card purchases only and not in Texas. Subject to credit approval, income and property verification, and program limits (FICO, CLTV, DTI, minimum retained equity). MambaCap Financial is a licensed broker, not the lender; not available in all states (including NY, NV, MA, HI, and MO). See full disclosures below.
These are the headaches of going straight to a bank, a traditional HELOC, or a cash-out refinance. Our home equity program was built to fix all three.
A traditional HELOC can take two to six weeks, with an in-person appraisal and back-and-forth, right when you need the funds.
Application, appraisal, and closing costs can quietly eat into the equity you're trying to access in the first place.
A cash-out refinance means trading your low first-mortgage rate for today's higher one. That's a steep price for your own cash.
Our home equity program was built to fix all three. See the difference ↓
Automated underwriting and modern income verification make this a genuinely different experience from a bank HELOC, especially if your income is complex.
Fast, automated underwriting means qualified borrowers can go from application to closing in a matter of days, instead of the weeks a traditional HELOC takes.
Securely connect your bank with Plaid to verify income in minutes, with far less paperwork, and a real advantage for self-employed and complex-income borrowers.
Your full credit limit is funded at closing as a fixed-rate loan with terms from 5 to 30 years, so your payment stays predictable.
Automated valuation is used for lines up to $400,000. Larger lines require a full appraisal.
Taken as a second lien alongside your existing mortgage, so you don't touch the rate you already have. Maximum APR is 18%.
Earn 2% back on card purchases, subject to program terms (not on the initial cash draw, and not available in Texas). No application, annual, or appraisal fees.
Our home equity program is provided by a third-party lender; MambaCap Financial is a licensed broker, not the lender. Closing timelines vary by scenario, document upload, valuation, title, and any required rescission period, and are not guaranteed. Plaid is a third-party service used to verify income from your bank; availability and results depend on your accounts and the lender's guidelines. Rates, fees, credit lines, and terms are set by the lender, vary by applicant, and are subject to change. A one-time draw fee (1.9%–4.9% of the credit limit; 2% origination in Texas) applies and may be financed. Subject to credit approval and program limits. Not available in all states. See full disclosures below.
The same equity, a very different experience. Here's how it stacks up against the two most common ways to tap your home.
| Our Home Equity ProgramRECOMMENDED | Traditional HELOC | Cash-Out Refinance | |
|---|---|---|---|
| Keep your current first mortgage | ✓ Yes* | ✓ Yes | ✗ No, it replaces your loan |
| Fully online application | ✓ | Sometimes | Sometimes |
| In-person appraisal | Not on lines ≤ $400K* | Usually required | Usually required |
| Rate on your cash | Fixed* | Often variable | Fixed or variable |
| Cash back on card purchases | ✓ 2%* | ✗ | ✗ |
| Upfront fees | One-time draw fee, can be financed* | Moderate to high | High |
*The program funds a full draw at closing as a fixed-rate loan; card purchase balances (where available) use a variable rate. "Keep your first mortgage" applies when the line is taken as a second lien. A one-time draw fee of 1.9%–4.9% of the credit limit applies (2% origination in Texas) and may be financed. Terms are set by the lender and subject to approval; the card is not available in every state (for example, Texas). MambaCap Financial is a licensed broker, not the lender. This comparison is a general illustration; other lenders' terms vary.
MambaCap Financial is an independent mortgage brokerage. We're not the lender or the investor, we're your advocate. Through our relationships with a network of lenders and private investors, we can find home equity options for most situations, including the tricky ones banks and credit unions turn down.
As your broker, we're paid by the lender when your loan closes, not by you. If there's a fit, we'll find it. If there isn't one yet, we'll tell you honestly, that's the advantage of a broker over a single bank.
Because we're a broker, we shop your scenario across many lenders and investors, so your options are based on your situation, not one company's menu. Scenarios we regularly place include:
Start a quick online application, or share a few details and let us match your scenario to the right option.
Get a clear picture of what you may qualify for, with no impact to your credit to find out.
Access your funds and move forward with confidence on the goals that matter to you.
Update the kitchen, add a bath, or finally finish that project.
Add an accessory dwelling unit for family or rental income.
Pay off higher-interest cards and loans, and simplify your month.
Cover tuition and expenses without derailing your plans.
A dream vacation, a wedding, or a once-in-a-while purchase.
Keep cash ready for the moment it counts, on your terms.
Ready to see your numbers, or want a second opinion first? Pick whichever feels right. Both take just a few minutes.
Go straight to a secure online application with one of our lending partners and get a real answer in minutes.
Have a trickier scenario, or not sure where to start? Share a few details and we'll match you to the right option, or tell you honestly if there isn't one yet.
Takes about 2 minutes. No obligation.
Tell us a little about your home and goals. A licensed member of our team will review your scenario and reach out with your best options from our lender and investor relationships, matched to your situation.
At closing, your full approved credit limit is funded up front as a fixed-rate loan (terms from 5 to 30 years), deposited to your bank account. As you pay that balance down, your line becomes available to redraw by cash-out, balance transfer, or a linked card. The process is fully online, with no in-person appraisal on lines up to $400,000 and no application, annual, or appraisal fees. A one-time draw fee applies and can be financed. MambaCap is a licensed broker, not the lender; the lender sets the final rate, fees, and terms, and all offers are subject to credit approval.
Getting a recommendation through our form doesn't pull your credit at all. If you start an online application, seeing your initial offer typically uses a soft credit check that doesn't affect your score; a hard credit pull happens later only if you decide to move forward.
Usually not. Most of these options are a second lien that sits alongside your existing first mortgage, so you keep the rate you already have. You're borrowing against your equity, not refinancing your primary loan.
That's our specialty. Through our lender and investor relationships, we can often find options for self-employed borrowers, lower credit, higher combined loan-to-value, investment or unique properties, and recent credit events, scenarios many banks and credit unions decline. We can't promise every scenario will qualify, but we'll shop it hard and give you a straight answer.
A lender needs it to run the credit check that produces your real offer. You provide it on the lender's own secure site, not to us through the form. If you'd rather not share it yet, start with the free recommendation form and we'll guide you first.
No. Getting options and guidance is free, and as your broker we're paid by the lender when a loan closes, not by you. You decide if and how to move forward.
Pick the path that fits. It only takes a few minutes.
See what you qualify for → Get a free recommendation