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Give Your Borrowers a Smart Way to Access Their Home Equity
Help your borrowers unlock the power of their home’s equity with UHM’s Signature
HELOC—a fast-closing home equity line of credit designed to meet their financial
needs. Whether it’s debt consolidation, home renovations, tuition costs, or other
major expenses, our HELOC offers a simple and efficient way to access funds.
Give Your Borrowers a Smart Way to Access Their Home Equity
Help your borrowers unlock the power of their home’s equity with UHM’s Signature
HELOC—a fast-closing home equity line of credit designed to meet their financial
needs. Whether it’s debt consolidation, home renovations, tuition costs, or other
major expenses, our HELOC offers a simple and efficient way to access funds.
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Program Highlights:
- 100% Online Fixed Rate Standalone HELOC Application
- Prequalify your borrower in as little as 5 minutes with a soft credit pull, funds available in as fast as 5 days
- Flexible income verification allowing borrowers to link checking and asset accounts, paystubs, and tax returns
- No borrower out-of-pocket costs, with the origination fee included in the loan amount
- Broker Compensation: 2.00% (0.50% if the property is listed for sale)
Additional Details:
- Loan Amounts: $25,000 up to $400,000
- Loan Terms: 5, 10, 15, or 30 years
- 100% drawn at origination with an additional draw feature
- Debt-to-Income (DTI): Up to 50% (Intellidebt feature allows debt payoff to help qualify)
- Maximum CLTV: 85% for primary residences and 70% for second and investment homes
- Minimum Credit Score Requirements: 640+ for primary, 680+ for secondary homes
- Eligible Property Types: Primary residences, second homes, and investment properties
- Available on 1st and 2nd liens
- Rate discount of 0.25% APR for AutoPay enrollment
Program Highlights:
- 100% Online Fixed Rate Standalone HELOC Application
- Prequalify your borrower in as little as 5 minutes with a soft credit pull, funds available in as fast as 5 days
- Flexible income verification allowing borrowers to link checking and asset accounts, paystubs, and tax returns
- No borrower out-of-pocket costs, with the origination fee included in the loan amount
- Broker Compensation: 2.00% (0.50% if the property is listed for sale)
Additional Details:
- Loan Amounts: $25,000 up to $400,000
- Loan Terms: 5, 10, 15, or 30 years
- 100% drawn at origination with an additional draw feature
- Debt-to-Income (DTI): Up to 50% (Intellidebt feature allows debt payoff to help qualify)
- Maximum CLTV: 85% for primary residences and 70% for second and investment homes
- Minimum Credit Score Requirements: 640+ for primary, 680+ for secondary homes
- Eligible Property Types: Primary residences, second homes, and investment properties
- Available on 1st and 2nd liens
- Rate discount of 0.25% APR for AutoPay enrollment
Not registered for the Signature HELOC platform?
To register, please contact your Account Executive.
Not registered for the Signature HELOC platform?
To register, please contact your Account Executive.
This information is intended for professionals and referral sources and is not for distribution to consumers. Full details on all products are available on request. Information contained herein is subject to change without notice.
Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that the property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Five business day funding not available in Texas.
UHM HELOC is not available in New York, Hawaii, and West Virginia.
