Fund your future

with a HELOC1

Use your home’s equity to finance everything from home renovations, wedding, college tuition or even consolidate your debt—all with a rate 2⁄3 lower than most credit cards2.


*Certainty Home Lending is a DBA of Guaranteed Rate, Inc. Click to start your application on



Digital application3

No paperwork. No hassles. Link to your accounts and we’ll handle your home equity line of credit.


Fixed rate HELOC

Starting at 8.35% APR4! Traditional HELOCs keep you guessing with their variable rates, our HELOC rate is locked in for the life of your loan.


No upfront costs

Get the funding you need fast without having to bring any money to closing.


Quick cash

A traditional HELOC takes 45-60 days5. For ours? Only 5 to 10 days6

Rates start at 8.35% APR, may be as much as 16.70% APR and are subject to change at any time. Advertised APR assumes a 0.25% autopay discount as well as payment of an origination fee in exchange for a reduced APR. Fixed rates with 1.99% origination fee and no discounts range between 10.10% and 16.70% APR and are subject to change at any time. Certainty Home Lending offers additional loan products which allow you to access the equity within your home. Please contact your loan officer to see which option is best suited for your financial needs.

How our quick and easy HELOC compares

Our home equity line of credit comes with a reliable, fixed rate so your payments are always the same.
There are other key benefits to working with Certainty Home Lending, including:

Certainty Home Lending HELOC
Traditional HELOC
Time to Apply
5-10 minutes
45 minutes
Time to Fund
5-10 days
45-60 days
Rate Type
100% Digital
Minimum / Maximum Loan
Draw Period
2-5 years
10 years
Good For
Immediate use
Rainy day use

1 Certainty Home Lending home equity line of credit (HELOC) is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. This product is currently not offered in the states of New York, Kentucky, South Carolina, Texas, West Virginia, Delaware and Maryland. The HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Borrowers must meet minimum lender requirements in order to be eligible for financing. Available for primary, second homes and investment properties only. Dependent on minimum credit score and debt-to-income requirements. Occupancy status, lien position and credit score are all factors to determine your rate and max available loan amount. Not all applicants will be approved. Applicants subject to credit and underwriting approval. Contact Certainty Home Lending for more information and to discuss your individual circumstances. Restrictions Apply.

2 Source: Average credit card interest rate is 24.72% (Forbes ) vs. our HELOC starts at 8.35% (subject to change) – which is 64% lower.

3 During Guaranteed Rate’s Digital HELOC process, the borrower and/or Guaranteed Rate may need to communicate or facilitate the origination and closing of the borrower’s HELOC using non-digital methods, including but not limited to telephone or letter. There may be instances, due to borrower preference, applicable law, or other reasons, in which HELOC closing must occur in person. Additionally, Guaranteed Rate makes no representations and cannot guarantee that borrower’s HELOC will be serviced by a servicer that maintains an entirely digital process.

4 For Certainty Home Lending Home Equity Line, our APRs can be as low as 8.35% for the most creditworthy applicants and will be higher for other applicants, depending on credit profile and subject to applicable law. For example, for a borrower with a CLTV of 50% and a credit score of 800 who is eligible for and chooses to pay a 4.99% origination fee in exchange for a reduced APR, a five-year Certainty Home Lending Home Equity Line with an initial draw amount of $50,000 would have a fixed annual percentage rate (APR) of 8.35%. The total loan amount would be $52,495. Alternatively, a borrower with the same credit profile who pays a 3.99% origination fee would have an APR of 8.65% and a total loan amount of $51,995. Your actual rate will depend on many factors such as your credit, combined loan to value ratio, loan term, occupancy status, and whether you are eligible for and choose to pay an origination fee in exchange for a lower rate. Advertised rates and terms are current as of 05/14/2024 and are subject to change without notice. In addition to paying the origination fee in exchange for a reduced rate, the advertised rates include a discount of 0.25% for enrolling in autopay.

5 Source: Curinos Home Equity and Retail First Mortgage Originations Consortiums

6 Approval may be granted in five minutes but may be subject to verification of income and employment. 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. In addition, funding timelines may be longer if we cannot readily verify that your property is in at least average condition with no adverse external factors with a property condition report and may need to order a desktop appraisal to confirm the value of your property.

7 Our loan amounts range from a minimum of $25,000 to a maximum of $400,000. For properties located in AK, the minimum loan amount is $25,001. Your maximum loan amount may be lower than $400,000 and will ultimately depend on your home value and equity at the time of application. We determine home value and resulting equity through independent data sources and automated valuation models.

For more information about HELOCs, click here