Cindy Cliff

Mortgage Loan Officer

NMLS: 2075376

970-308-2540

cindy@cliffmortgages.com

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Home Equity Line of Credit (HELOC)

Cash from your home’s equity

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What Is a HELOC?

A Home Equity Line of Credit (HELOC) is one of the most flexible ways to access your home’s equity. Instead of refinancing your first mortgage, you can tap into your equity to fund important goals — from remodeling projects and debt consolidation to covering major expenses — all without resetting your existing loan.

Why Choose a HELOC?

✅ Funds in as little as 5 business days
✅ No need to touch your first mortgage
✅ No appraisal, no title work (in many cases)
✅ Owner-occupied, second homes, and investment properties OK
✅ Minimum FICO down to 620
✅ No prepayment penalty
✅ Use funds for remodeling, debt consolidation, investing, or as a financial safety net

Program Highlights

  • Credit limits typically up to 85% of your home’s value
  • Variable and fixed-rate options available
  • Interest-only payment options during draw period
  • Income must be verified through personal sources (no business bank accounts)
  • Flexible terms tailored to your financial goals

Why Realtors Love HELOC's

🔑 Helps with Pre-sale upgrades: Fresh paint, new flooring, or repairs that help a home sell faster and for more.
🤝 Stronger client relationships: You’re offering real solutions, not just advice.
🔄 Top of mind: Clients remember the Realtor who helped them access cash when they needed it.
💼 Creative financing partner: Positions you as a trusted resource for smart financial strategies.

Who This Program Works Best For

Ready to Get Started?

If you're a homeowner looking for a flexible borrowing option, a HELOC may be the right choice for you. Contact Cliff Mortgages at 970-308-2540 or email us at cindy@cliffmortgages.com to learn more about our HELOC options. 

*Information subject to change. Certain restrictions apply. Subject to borrower approval.

Unlock your home’s equity today. Let’s find out how much cash you can access with a HELOC.

Start My HELOC Consultation below or call (970) 308-2540

Get Started