Access $15,000-$700,000 From Your Home's Equity Without Refinancing
Updated on July 10, 2026
Qualified homeowners can use Achieve's HELOC to access cash for debt consolidation, home improvements, and other major expenses—all while keeping their current mortgage.
What is Achieve's Home Equity Line of Credit?
Achieve's Home Equity Line of Credit (HELOC) lets qualified homeowners borrow against the equity they've built without refinancing their existing mortgage. Use only what you need and pay interest only on the amount you borrow during the draw period.
Bottom Line:
Flexible Access To Cash
Borrow against your home’s equity with a revolving credit line you can use as needed.
Qualifying Criteria
To qualify, most borrowers will need a credit score of 600+, an annual income of at least $48,000, and be homeowners.
Low Rates for Qualified Homeowners
Qualified borrowers may receive rates starting as low as 5.50% APR. Checking your rate won't affect your credit score.
Why Borrowers Choose Achieve
Keep your current mortgage rate, use funds for almost any purpose, and a fast online application
Who Should Apply
Achieve Could Be a Good Fit If You Are:
• Need $15,000 or more
• Consolidating high-interest credit card debt
• Planning home renovations
• Covering major expenses
• Want access to your home's equity without refinancing
• Have a credit score around 600+
• Earn at least $48,000 annually
• Live in an eligible state: AL,AR,AZ,CO,CA,FL,GA, IA,IL,IN,ID,KS,KY,LA,MD,MI,MT,NC,ND,NE,NJ,NM,OH,OK,OR, PA,TN,TX, UT,WA,WI
Get Started in 3 Easy Steps
1. Check Your Eligibility
Answer a few questions about your home, income, and credit.
2. Receive Your Personalized Offer
See available borrowing amounts and estimated rates.
3. Access Your Funds
Complete the application and begin drawing from your line of credit once approved.
The Good
✔ Flexible access to home equity An Achieve HELOC gives you a revolving credit line you can
✔ Potentially lower rates than unsecured borrowing Because your home secures the line of credit, rates are often lower than credit cards or personal loans.
✔ Draw-as-you-need structure You only pay interest on the amount you use, not your full approved credit limit.
The Not So Good
⚠ Not available in every state While reach is wide heloc’s are still unavilable in AK, CT, DE, HI, ME, MA, MN, MS, MO, NV, NH, NY, RI, SC, SD, VT, VA, WV, WY
⚠ Customer experience can vary Support may depend on your local branch and assigned loan officer.
⚠ Fees can affect overall cost Closing costs or lender fees may apply, so it’s smart to compare HELOC offers before choosing.
✓ Borrow $15,000-$700,000
✓ Credit scores 600+ may qualify
✓ Income starting around $48,000
✓ Keep your existing mortgage
✓ Apply online in minutes