No in-person appraisal. Instant income verification via Plaid. Keep your low first-mortgage rate intact.
You'll securely continue on our partner application portal, AccessHELOC.
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 |
No waiting on a callback, no scheduling a meeting, just your real number in about 60 seconds.
See Your Instant Offer OnlineYou 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.
Skip the phone tag. Get your instant offer online, any time, day or night.
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.
Coltrain's secure online application portal checks your eligibility and verifies your income digitally, entirely on your own schedule, 24 hours a day.
Skip the branch visits and the paper chase - find out what you qualify for today, entirely online.
You'll securely continue on our partner application portal, AccessHELOC.
