A Home Equity Line of Credit (HELOC) gives New Jersey homeowners access to the equity they’ve built, without refinancing their existing mortgage. As experienced mortgage brokers, we offer a wide range of HELOC solutions, from conventional bank programs to alternative and Non-QM options for self-employed borrowers, investors, and complex income scenarios.

• No Doc Helocs availabelat 50% LTV
• Full doc loans credit score down to 660
• All occupancy Types
• Residential properties only
• Co-ops not allowed, only investment co-ops allowed.
• DSCR Helocs
• Bank statement Helocs
• VOE only Helocs

Our team is well-versed in conventional and non-traditional HELOC programs, including bank statement options, limited documentation, and solutions that go beyond standard W-2 income verification. This allows us to handle scenarios that many banks decline.

Contact our New Jersey office and speak directly with a loan specialist who will review your situation, explain your options, and structure a HELOC that works for you.