A flexible way to explore available home equity.
A home equity line of credit may provide eligible homeowners with revolving access to available equity, subject to lender requirements.
Get Pre-Approved Start with an inquiry. A loan decision requires review.
Who this may help
- Homeowners
- Borrowers with planned expenses
- Borrowers reviewing liquidity
- Borrowers who may keep an existing first mortgage
Common uses
- Home improvements
- Planned expenses
- Ongoing borrowing needs
- Liquidity management
Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.
What to have in mind
These details help explain your situation. You can start the inquiry before gathering every document.
Keep sensitive documents for the secure upload process. Do not send them by general email.
- Estimated property value
- Current mortgage details
- Requested line amount
- Income documentation
- Credit range
What happens next
The inquiry starts the conversation. Final options depend on the full review.
How the loan process worksShare the property, borrower, and loan goal.
Review the documentation path that may fit.
Discuss possible next steps before moving deeper into paperwork.
Move forward only when the borrower understands the direction.
Questions about HELOC
General guidance to help you decide what to ask.
Does a HELOC replace my first mortgage?
Not necessarily. A HELOC may be separate from an existing first mortgage, subject to lender review.
Are rates or credit limits guaranteed?
No. Availability, terms, rates, and limits depend on lender requirements and underwriting.
Talk through your plans.
Tell Citadel about the property and what you want to do. We can review the details with you.
Get Pre-Approved