Finally, a HELOC designed for the self-employed!

Long Island & New York homeowners

Easy access. Online process. A modern home equity option built around the way business owners and self-employed homeowners actually earn income.

Bank-statement cash flow may be used to qualify*
No tax returns needed for eligible self-employed borrowers*
No appraisal needed on eligible files*
Keep your current first mortgage
100% digital process
GET MY INSTANT ONLINE PRE-APPROVAL OFFER →
Start securely online. No obligation to proceed.
QUESTIONS? ASK MATT

*Subject to program eligibility, valuation, credit, income, collateral and underwriting requirements. Starting an application is not a commitment to lend.

Long Island business owners meeting in a modern office
Built for real-world cash flow.

Self-employed income doesn't always fit neatly on a W-2. This program can evaluate eligible bank-account cash flow instead.

100% DIGITALApply online from anywhere.
FAST ONLINE PRE-APPROVALDesigned to move quickly.
NO APPRAISAL*Eligible files use streamlined valuation.
BANK-STATEMENT INCOME*Built with self-employed borrowers in mind.
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Self-employed business owner in a modern office
Your business has cash flow.

Your financing should be able to see it.

Why this HELOC is different

Built for business owners and self-employed homeowners.

For eligible borrowers, bank statements may be used instead of traditional tax-return income analysis. And because this is a HELOC, you may be able to access equity without replacing your existing first mortgage.

Bank-account cash flow qualification*Eligible business or personal bank statements may document qualifying income.
Keep your current first mortgageAccess home equity without automatically refinancing the first mortgage you already have.
See your loan term offer onlineStart through the secure Digital HELOC portal whenever you're ready.
SEE MY ONLINE HELOC OFFER →
Matt Bardram, Long Island HELOC mortgage loan originator
Matt Bardram Licensed Mortgage Loan Originator • NMLS #864086 • Coltrain Mortgage
A real expert behind the digital process

Start online. Reach me personally if you need help.

The Digital HELOC portal is designed to let you move quickly and review your loan term offer online. If you want guidance first, I'm Matt Bardram with Coltrain Mortgage and I'm available directly at mbardram@coltrain.com.

Long Island focusedLocal mortgage experience serving Suffolk County, Nassau County and eligible New York homeowners.
Digital + personalMove at your own speed online with a licensed originator available when questions come up.
GET MY LOAN TERM OFFER → EMAIL MATT
Put your equity to work

What could you use a HELOC for?

Cash flow

Pay off high-interest debt

Use eligible proceeds to pay revolving balances and potentially reduce monthly debt obligations.

 Business

Working capital

Inventory, equipment, marketing, expansion or other eligible business needs.

 Real estate

Investment opportunities

Tap available equity for eligible real-estate expenses or opportunity capital.

 Home

Renovations & repairs

Put available home equity toward improving the property you already own.
Quick fit check

Does this sound like you?

We want qualified applicants — not wasted applications. These are the basics to consider before you start.

✓
New York propertyThis specific Coltrain Digital HELOC campaign is for New York properties.
✓
Available home equityYou need sufficient equity remaining after your existing mortgage and liens.
✓
Established creditCredit standards apply and are evaluated through the secure application.
✓
Self-employed cash flowEligible bank-statement cash flow may be used instead of traditional tax-return income analysis.
MEET THE BASICS? SEE MY OFFER → I HAVE QUESTIONS FIRST
Long Island Digital HELOC

See your HELOC loan term offer online.

Start through Coltrain's secure Digital HELOC portal, or email Matt Bardram first if you want to talk through your scenario.

GET MY ONLINE OFFER → EMAIL MATT
GET MY ONLINE HELOC OFFER →

 Coltrain Funding Group LLC, DBA Coltrain Mortgage (NMLS#10640) 140 Fell Court Suite 101 Hauppauge, NY 11788 is a Registered Mortgage Broker with the NYS Department of Financial Services.  Licensed Mortgage Broker NJ Department of Banking & Insurance. Licensed Mortgage Broker, Florida Office of Financial Regulation.  Licensed Mortgage Broker by the Pennsylvania Department of Banking and Securities. All loans arranged through a third party. We do not make any mortgage loan commitments or fund any mortgage loans. MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.  Rates subject to change without notice.  Phone 631-851-4480 Fax 631-963-3209.  www.coltrain.com