Unlock Your Home's Potential: Introducing the Fixed-Rate HELOC from Zeus Commercial Capital
Unlock Your Home's Potential: Introducing the Fixed-Rate HELOC from Zeus Commercial Capital
Are you a homeowner looking to access the built-up wealth in your property without sacrificing your current low mortgage rate? In today's high-rate environment, many homeowners feel trapped, needing cash for major expenses but unwilling to pursue a traditional cash-out refinance that would swap their low-interest mortgage for a higher one. Zeus Commercial Capital has the perfect solution: a revolutionary, standalone Home Equity Line of Credit (HELOC) designed for speed, flexibility, and financial peace of mind.
This new program from Zeus Commercial Capital helps homeowners tap their valuable home equity with a fixed-rate structure that offers security and predictable payments, unlike many variable-rate alternatives. Whether you're planning a major home renovation, consolidating high-interest debt, or funding a large expense, our HELOC is a powerful financial tool that is simple to access, thanks to our highly-automated, 100% online application process.
Why Choose a HELOC Over a Cash-Out Refinance?
Many financial advisors caution against a full cash-out refinance in a rising interest rate market. When you refinance, you replace your existing mortgage with a brand new one. If your primary mortgage has an exceptionally low rate, replacing it with a new, higher rate loan to get cash may erase any potential savings and significantly increase your long-term housing costs.
A HELOC (Home Equity Line of Credit), on the other hand, allows you to access your home equity without touching your first mortgage. Our program offers a standalone HELOC that can go up to the 3rd lien position, providing maximum flexibility. It functions as a fully-disbursed, fixed-rate loan at origination, meaning you receive the entire loan amount upfront, but also includes the option for future, additional draws. This makes it a smarter, value-add financial solution for tapping equity while protecting your valuable low-rate primary mortgage.
Funding Your Future: Maximum Loan Amounts and Flexible Use
The Zeus Commercial Capital HELOC program is built to support your biggest financial goals. You can access up to $400k in funds, with a minimum loan amount of $25,000. This significant capital can be used for a wide range of purposes, including:
Home Renovation and remodeling projects that increase the value and enjoyment of your property.
Debt Consolidation, allowing you to pay off high-interest alternatives like personal loans and credit cards with our comparatively lower rates. Our automated process can even help facilitate direct debt payoff to simplify your financial life.
Funding major life events, education costs, or other planned expenditures.
The HELOC is offered with set terms of 5, 10, 15, or 30 years. While the initial disbursement is a fixed-rate loan, a key benefit is the additional draw feature. As you pay down your balance, you can re-access up to 100% of your credit limit during the draw period, which ranges from 2 years for a 5-year term up to 5 years for a 30-year term. This revolving feature offers long-term flexibility, though it's important to note that the rate for any additional draw will be determined at the time of the draw and may differ from the initial fixed rate.
The Zeus Commercial Capital Advantage: Speed and Simplicity
We understand that when you need funds, you need them fast. The Zeus Commercial Capital HELOC delivers a quick, simple, and transparent experience from application to disbursement.
100% Online and Lightning Fast
The entire process, from application to funding, is streamlined and digital. You can apply in minutes from the comfort of your home.
Prequalification in Seconds
We use a soft credit inquiry to provide an instant prequalification. This means you can find out what you qualify for without impacting your credit score. A hard credit pull is only initiated later in the process once you decide to move forward with your offer.
No Out-of-Pocket Costs
There are no out-of-pocket costs to get your HELOC funded. Any selectable origination fee (ranging from 1.50% to 2.99%) is capitalized and included in your total loan amount, meaning you simply pay it off over time as part of your regular monthly payments. Selecting a variable origination fee can even give you the opportunity to truly customize a financial solution that meets your needs. A higher origination fee can reduce your overall APR and monthly payment.
Fast Funding
With a quick application and a highly automated process, you can receive fast funding in as few as 5 days for a primary residence. For secondary properties, there is no rescission period, and funding is also typically disbursed in about 5 business days.
Qualifications to Unlock Your Home Equity
Our HELOC program is widely available across a variety of property types and client profiles.
Lien Position: Available for 1st, 2nd, and up to the 3rd lien position.
Minimum Credit Score: The minimum credit score is 640 for primary residences and 680 for secondary or investment properties (Experian FICO 9).
Maximum CLTV: The maximum combined loan-to-value (CLTV) can be up to 85% for owner-occupied, 1st lien positions, and is subject to credit score and property type.
Debt-to-Income (DTI): For most property types, the maximum DTI is $<50\%$.
Valuation: We utilize an Automated Valuation Model (AVM), which means no appraisal is required for an immediate decision.
Property Types: The program is available for Single-Family Residences, Townhomes, PUDs, Condos, Duplexes, 3-4 Unit Properties, Secondary Homes, and Investment Properties.
Get Started with Zeus Commercial Capital Today
Don't let high-interest debts or a much-needed home renovation wait. The Zeus Commercial Capital HELOC is a modern, fixed-rate financial tool that simplifies access to your valuable home equity. With a 100% online application, fast funding, and the flexibility to consolidate debt or fund major projects, it’s the smart choice for homeowners looking for financial control.
Ready to unlock your home's potential? Start your quick, soft-pull prequalification today and see how much you can access in seconds!
Contact Zeus Commercial Capital to start your application or learn more about our fixed-rate Home Equity Line of Credit. Call us today (800) 516-1153 or Visit www.zeus-commercial.com to learn more!
