Quickly Access your Home Equity

Want to turn your home equity into cash? A home equity loan or HELOC with MiLEND lets you unlock your equity at a lower rate than other types of loans. Faster than a Bank. Cheaper than Credit Cards.

Quick Online Application

  Competitive Rates
  Easy Online Application
  Approved in Minutes
   Loans up to $750K
  Funding in a Week

Flexible Access to your Home Equity as Cash

Simple, flexible access to your home’s equity as cash to use as you see fit. Take cash out by unlocking your equity with a Home Equity Loan or HELOC suitable for a variety of uses:

Access Your Equity Fast
Home Renovations

One of the most common uses for a HELOC is to cash out your equity to fund home renovations, improvements, or make repairs. Investing your equity back into your home can improve your home’s value for many years to come.

Debt Consolidation

Personal Loans, Auto Loans, and Credit Cards often carry much higher interest rates than a HELOC – with most credit cards carrying an interest rate of 24% or more. A HELOC let’s you take out cash to pay off debt and pay much lower interest, slashing monthly expenses dramatically.

Unexpected Expenses

Having a HELOC available can serve as a financial safety net for unforeseen costs like significant medical bills or major home repairs. You only pay interest on the amount you draw, making it a flexible option to access cash to cover these expenses at a low interest rate.

Applied July 6th, talked with Matt that same day. He explained each step of the process as it progressed. Kept me informed and answered all my questions immediately. Closed on August 7th.
Posted on Google
Shawna Greenberg
July 30, 2026
Trustindex verifies that the original source of the review is Google.
Working with Adam and Wendy was an excellent experience from start to finish! They made what could have been a stressful process feel incredibly easy. Communication was outstanding!!! Would highly recommend MiLend for your mortgage needs.
Posted on Google
John Durham
July 8, 2026
Trustindex verifies that the original source of the review is Google.
Lauren and her team were absolutely phenomenal throughout the entire process!! She stayed on top of every detail. I was never left to wonder what the status was at any time. In the end, everything worked out just as she had represented in the beginning. I would never hesitate to use her again!
Posted on Google
Michael Kitchens
July 1, 2026
Trustindex verifies that the original source of the review is Google.
I would like to take this opportunity to thank Milend and specifically Clara Flynn for a smooth transaction with the Refinance of my home. The process was smart and simple. This refi will help me manage my finances in the future. Me and my wife are both retired living on a fixed income. This has freed up much needed monthly income. Thank you all again
Posted on Google
Karen Bursey
June 3, 2026
Trustindex verifies that the original source of the review is Google.
Refinancing with Jason Burchfield and Dana Nessler was the smoothest refinance i have ever experienced. They are top notch and i would recommend them to everyone

Unlocking your Home Equity is Easy

  • Step 1 Choose your Options

    Answer a few questions to help us get to know your needs, so we can find the loan options that are a perfect fit for you.

  • Step 2 Get Paired with an Expert

    Your licensed HELOC expert will draw upon years of mortgage experience and collaboration with other loan experts to put together the best loan options for you based on your unique needs and financial goals.

  • Step 3 Lock in Your Low Rate

    Your Loan Officer will lock in your low rate, submit your home equity application, and walk you through any additional steps to make sure your loan is funded quickly.

Tap Into Your Equity

Questions about Unlocking your Equity

  • How to apply for a Home Equity Loan

    You can apply for a home equity loan online or over the phone. Our application process is designed to be simple, and a loan specialist will review your information and guide you through the next steps.

    What to expect

    After you submit your application, your dedicated loan officer will review your income, property details, and available equity. They’ll also match you with the best program to fit your needs and help you unlock the most equity at the best rates and terms. If we need any additional documents, we’ll let you know.

    If your application is approved, we’ll move forward with the remaining steps, which may include a property valuation, final underwriting, and closing.

    How to get started

    You can begin your application online at any time or call us to apply by phone. If you have questions along the way, our team is here to help.

  • Minimum credit score for a HELOC

    Credit score is only one part of qualifying for a HELOC – other factors include your debt-to-income ratio, income, and how much equity you have in the home. Typically, our home equity programs need a minimum credit score of 620 to qualify. Credit score in the high 500s or low 600s? There could still be financing options for you!

    Don’t hesitate to reach out to one of our licensed mortgage consultants since there may be a cash out refinance program that has lower credit score requirements and can still help you access the equity you need.

  • What the approval process looks like for a Home Equity Loan

    Our home equity loan approval process includes an application, document review, underwriting, property valuation, and final approval. You can apply online or over the phone to get started. You could get cash out of your equity in a matter of weeks:

    Typical steps

    Determine eligibility. Lenders generally look at how much equity you have, your credit score, debt-to-income ratio, and income stability.

    Send supporting documents. Common documents include proof of income, ID, and proof of homeownership such as a mortgage statement or property tax bill.

    Underwriting review. The lender verifies your information, checks your credit, and confirms that the loan amount fits your available equity.

    Home valuation and title review. The lender typically orders an appraisal or other valuation and reviews the property title.

    Final approval and closing. If everything checks out, you get a loan estimate, sign the final documents, pay any closing costs, and receive the funds.

  • How does a home equity loan work if your house is paid off?

    A home equity loan lets you borrow a lump sum against the part of your home you already own, and you repay it in fixed monthly payments over a set term. If you own your home outright, the lender can still use the house as collateral, and you may be able to borrow up to a percentage of the home’s value, often around 80% to 85%, depending on the lender and your finances.

    A simple example: if your home is worth $300,000 and a lender allows borrowing up to 80% of value, the maximum total debt secured by the house would be $240,000. With no mortgage balance, that could mean borrowing up to about $240,000, though actual limits depend on the lender.

Quick Online Application
Start Typing