Borrow cash from your home's equity
- Borrow up to $750,000
- Close in 6 days on average
- No SSN needed to prequalify
Borrowing equity shouldn't take 6 weeks
Traditional banks make you wait 45+ days with stacks of paper and expensive appraisers. Exos Mortgage simplified it into 3 simple digital steps.
1 Minute Online Application
Enter your property details in 2 minutes. We perform a soft credit check that won't impact your score, generating your tailored offer and borrowing limit instantly.
Connect Your Bank Account
Securely connect your personal or business bank account using Plaid. Skip the paperwork — no manual document uploads and no in-person appraiser walking through your home.
Access Cash in Days
Once approved, your funds are wired straight to your checking account. Draw what you need, whenever you need it, with a fixed rate on each draw⁴.
Why choose Exos Mortgage?
Designed specifically for homeowners who locked in low first mortgages and refuse to refinance their entire balance just to get cash.
Keep Your Low First Mortgage
Unlike a cash-out refinance that resets your entire loan to today's rates, a HELOC sits behind your existing loan. Keep your low rate safe.
Fixed Rate On Every Draw
Lock in your rate each time you draw cash. No surprise spikes on previously borrowed money when federal prime rates change⁴.
No Annual Or Prepayment Fees
Pay off your line anytime without penalty. Never get charged an annual membership fee or inactivity penalty just for keeping the credit line open⁵.
Dedicated Loan Officers
Have questions along the way? Work 1-on-1 with an Exos Mortgage licensed loan specialist via phone, text, or video call.
Bank-Grade 256-Bit Security
Your data is encrypted with military-grade protocols. We never sell your personal information to third-party telemarketers.
What can you use your Exos HELOC for?
Unlike auto loans or construction loans, home equity funds are 100% unrestricted cash.
Home Renovations
Kitchen remodels, adding an ADU, or roof replacement that boosts your property's resale value.
Debt Consolidation
Replace high-interest credit card balances with a low home equity rate and save hundreds in interest every month.
College Tuition & Big Goals
Finance major milestones, tuition, or medical expenses with predictable low monthly payments.
Emergency Peace of Mind
Keep an open line ready for unexpected events. You only pay interest when you actually draw funds.
Frequently Asked Questions
Everything you need to know about our Home Equity Line of Credit
Have a unique scenario?
Our loan specialists are ready to review your property details.
Ready to unlock your home's equity?
Take 2 minutes to discover how much cash you qualify for. Soft credit check with zero risk.
Exos Mortgage • Equal Housing Lender • NMLS #2096121