No in-person appraisal. Instant income verification via Plaid. Keep your low first-mortgage rate intact.
The same home equity - a dramatically faster path to it.
| Traditional Bank | Our Digital Process |
|---|---|
| 30–60 day underwriting timeline | 5–7 days, start to finish |
| Scheduled, in-person appraisal | Automated valuation, no visit needed |
| Two years of tax returns & paystubs | Instant income verification via Plaid |
| In-branch visits & paper forms | Entirely online, from any device |
You don't lose your 3% or 4% primary mortgage rate. A HELOC sits cleanly behind it as a second lien - you keep the rate you already locked in and simply add access to the equity on top of it.
A faster process means your equity is ready when you actually need it.
Medical bills, tuition deadlines, or a family milestone that can't wait 45 days.
Get access to funds before your contractor's start date, not weeks after.
Stop compounding credit card interest sooner instead of waiting out a slow approval.
Two of the slowest parts of a traditional HELOC - scheduling a physical appraisal and manually verifying income with tax returns - are handled digitally in our process, in most cases. That alone removes weeks from the timeline.
Plaid is a bank-grade, read-only connection used by major financial apps to verify income and assets securely, without you needing to upload documents manually.
No. A HELOC is a separate, second lien behind your existing mortgage. Your first mortgage's rate and terms stay exactly as they are.
Programs are available starting around a 600 credit score, though your specific rate and terms depend on your full financial picture.
Tell us a bit about your situation and a member of our team will reach out directly. No obligation.
Thanks for reaching out - a member of the Coltrain team will contact you shortly to discuss your options.
Skip the branch visits and the paper chase - find out what you qualify for today.
