Keep Your Rate HELOC powered by Honest Casa
Your 1st mortgage stays untouched Check My Rate

Get up to $750,000 in cash — and keep the mortgage rate you'll never see again.

A cash-out refinance replaces your entire mortgage at today's rates. A HELOC doesn't. It sits alongside your existing loan, so your 2–4% first mortgage stays exactly where it is — and you only pay today's rates on the cash you actually take.

Your first mortgage — balance, rate, and payment — is never refinanced
Bank statement qualification: no tax returns or W-2s required
100% online with eNotary — funding in as little as 3 days after approval*
1st mortgage untouchedNo refinance, no rate reset
Today's rate on new cash onlyNot on your whole balance
As fast as 3 days*From approval to funded
No W-2s or tax returnsQualify with bank statements
Your offer is 60 seconds away 0%

How much cash do you want access to?

Drag the slider — your first mortgage is not affected. Check your rate as of .

$100,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

Your best guess is fine — no documents needed yet.

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will you use the cash for?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
Property—
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

The math on keeping your rate

Say you need cash and you're sitting on a low first mortgage. Compare repricing your whole balance against keeping it and adding a HELOC for just the new money.

Illustration assumes a 30-year term on the refinance, a cash-out refinance rate of and a HELOC rate of — illustrative rates only, not an offer or quote. Your rate depends on credit, equity, property, and state. HELOC figure shown is interest-only during the draw period.

Cash-out refi: new payment on $500,000$0/mo
Keep your rate: current payment + HELOC interest$0/mo
Estimated monthly difference$0/mo
Extra cost of repricing money you already borrowed$0/yr

Cash without a refinance in 3 simple steps

No branch visits, no re-underwriting your whole mortgage. The entire process is online — most applicants finish in about 5 minutes.

01

Check your rate

Answer a few quick questions and see what you may qualify for — fast, secure, and 100% online. No SSN required at this stage, and no impact to your first mortgage.

~5 minutes
02

Pick your offer

Create your account from the West Capital Lending email, then choose your line amount, rate, and term. Your existing mortgage is never part of the application.

Same day
03

Get your cash

eSign your documents with an online notary and get funds sent straight to your bank account in as little as 3 days after approval.*

As fast as 3 days*

Why homeowners with low rates choose a Keep Your Rate HELOC

The rate you locked is irreplaceable

If you bought or refinanced in 2020–2021, your mortgage rate may be the cheapest money you'll ever borrow. A cash-out refinance erases it. A HELOC preserves it — permanently.

Pay today's rates on new cash only

With a cash-out refi, your entire balance — even the part you borrowed at 3% — gets repriced at today's rates. With a HELOC, only the new money costs today's rates.

Bank statement qualification

Income can be verified with bank statements — no tax returns or W-2s required. No SSN is needed to check your rate, and no in-person appraisal on loans under $400K.

Equity that stays on tap

As you pay down your balance, you can draw again during your draw period — the same line funds the renovation today and the opportunity next year, without reapplying.

Keep Your Rate HELOC vs. the alternatives

If you locked a low rate, the question isn't just "what does new money cost" — it's "what happens to the money you already borrowed cheap?"

Keep Your Rate HELOCRECOMMENDEDCash-out refiPersonal loan
Keeps your current mortgage rate Yes — untouched No — full reset Yes
Today's rates apply to… New cash only Your entire balance New cash only
Typical time to funding As little as 3 days* 30–45 days 1–7 days
Maximum amount Up to $750K Varies Usually ≤ $100K
Pay interest only on what you use Yes No No
Bank statement income option Yes Rarely Varies
100% online with eNotary Yes Rarely Often

Frequently asked questions

Will a HELOC change my existing mortgage rate or payment?
No. A HELOC is a separate loan recorded in second position behind your existing mortgage. Your first mortgage's rate, balance, payment, and payoff schedule are completely unaffected — nothing about it is refinanced or modified.
Why not just do a cash-out refinance?
With a cash-out refinance, your entire mortgage balance is replaced at today's rates — including the money you originally borrowed at 2–4%. If your current rate is below today's market, that usually means paying thousands per year in extra interest on money that was already cheap. A HELOC prices only the new cash at today's rates and leaves the rest alone.
How fast can I get the money?
Checking your rate takes about five minutes. Once you select your offer, verify your details, and your loan closes, funds can be disbursed in as little as 3 days after approval. Timing varies by state, property type, and how quickly verification steps are completed.
Will checking my rate hurt my credit score?
No. Prequalification uses a soft credit inquiry, which has no impact on your credit score. A hard inquiry only occurs if you choose to proceed with the full application.
How much can I borrow?
Lines of credit range from $15,000 to $750,000 depending on your available home equity, credit profile, income, and state. The form above gives you a quick estimate of the equity you may be able to tap while keeping your first mortgage in place.
Is the HELOC rate higher than my mortgage rate?
Almost certainly — a second-position line at today's market will carry a higher rate than a first mortgage locked in 2020–2021. The point is that the higher rate applies only to the new cash you draw, not to your entire mortgage balance. For most low-rate homeowners, that blended cost is far below repricing everything with a cash-out refinance.
Do I need tax returns or W-2s to qualify?
No. This is a bank statement HELOC — income can be verified directly from your bank statements through a secure, read-only connection. It's especially well suited to self-employed borrowers and business owners.
Do I need an appraisal or my Social Security number?
For loans under $400,000, no in-person appraisal is required — valuation is completed digitally. Larger loans may require additional valuation steps. No Social Security number is required to check your rate; identity verification happens later, securely, inside the application.
What happens after I submit the form?
You'll be taken straight to the secure online application, and you'll receive an email from West Capital Lending with a link to create your account. From your account you can view your offer, pick your amount, rate, and term, and complete verification — all online.
Who is the lender?
Keep Your Rate HELOC is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

Your 3% mortgage isn't coming back. Keep it.

Check your rate in minutes — your first mortgage stays exactly where it is.

Check My Rate Now
Check My Rate — Keep My Mortgage