Your home's equity.
Unlocked.
Borrow from $5K to $1M — up to $100K available instantly on your NEXA HELOC card. Soft credit pull, offers in 5 minutes, funded in as few as 5 days.
Built for speed, scale, and convenience
$5K – $1M Credit Lines
From small project fixes to major renovations. Borrow as little as $5K or scale up to $1M — and draw again as future projects come up.
Up to $100K on the Card
A portion of your line loads onto the NEXA HELOC card for instant, swipe-anywhere convenience. The rest draws as a line of credit.
Fixed Rates, No I/O Period
Choose 5, 10, 15, or 30-year terms with a fixed rate on your initial draw — no interest-only surprises. Rates stay steady on cash outs and balance transfers.
Funded in 5 Days
AVM valuation means no appraisal for most lines (up to $400K). Offers in 5 minutes, funding in as few as 5 days with a remote online notary.
Soft Pull · Fully Digital
Check eligibility with a soft credit pull — no score impact to see offers. Apply, verify, and manage your line entirely online.
Flexible Qualifying
620+ FICO to qualify. Direct debt payoff can help you meet DTI. Eligible: single-family, condo, 2–4 unit, PUD, and townhome properties.
Calculate your available cash
Up to 89% CLTV. Pick your project, set your home value, and see how much cash you can unlock — plus your estimated monthly payment.
Up to 89% CLTV · max $400K line
Max credit line · CLTV 46%
8.99% APR · 30-yr amortization · illustration only
Up to $100,000 accessible on your HELOC card; the remainder draws as a line of credit.
Estimates are based on a presumed 740 credit score and the simplified NEXA HELOC tier (owner-occupied: 89% CLTV up to $100K, 85% CLTV up to $400K; investment: 75% CLTV up to $250K). The monthly payment uses an illustrative 8.99% APR on a 30-year amortization for estimation only — your actual rate and terms are determined by full underwriting, including credit profile, income, and property details. This is not a commitment to lend. All loans subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice.
Pick your project. See your cash.
Select a project below to pre-fill a typical budget, then the calculator shows exactly how much equity you can unlock for it — and what's left for the next one.
Soft Pull
No credit impact
Offer Generated
See your credit line
Verification
Fully digital docs
Funded
Cash in hand
Ready to start your project?
See your offer in 5 minutes with a soft credit pull.
From application to funded in three steps
A friction-free path to your home's untapped value — engineered for speed without the traditional mortgage wait.
Apply in minutes
Answer a few questions about your home and finances. Fully online — no paperwork, no office visits. A soft credit pull checks your eligibility with zero impact to your score.
See your offer
We value your home with an automated model (AVM) — no appraisal needed for most lines. Get a fixed-rate offer with your credit line and monthly payment in about 5 minutes.
Funded in 5 days
Verify with digital docs, sign with a remote online notary, and your bank account is funded directly — often in as few as 5 days. Draw on your line whenever the next project comes up.
Homeowners move faster with NEXA
"We needed a new HVAC unit fast. NEXA had us pre-qualified in minutes and funded before the installer showed up. The card made paying the contractor effortless."
Daniela R.
HVAC replacement · Aurora, CO
"I started with a small kitchen refresh and realized I had equity left for the bathrooms too. The calculator showed me exactly what was available — no guesswork."
Marcus T.
Kitchen + bath remodel · Denver, CO
"Soft pull, no appraisal, fully digital. I expected a weeks-long mortgage process and instead had cash in five days. Genuinely the fastest HELOC I've seen."
Priya S.
Debt consolidation · Tempe, AZ
Questions, answered
Everything you need to know about the NEXA HELOC program before you apply.