Access $15,000-$700,000 From Your Home's Equity Without Refinancing
Updated on August 19, 2026
Qualified homeowners can use Achieve Loans HELOC to access cash for debt consolidation, home improvements, and other major expenses—all while keeping their current mortgage.
What is Achieve Loans Home Equity Line of Credit?
Achieve Loans Home Equity Line of Credit (HELOC) lets qualified homeowners borrow against the equity they've built without refinancing their existing mortgage. Borrow and repay flexibly up to your limit during the draw period.
Bottom Line:
Flexible Access To Cash
Borrow against your home’s equity and repay flexibly up to your limit during the draw period.
Qualifying Criteria
Most borrowers will need a credit score of 600+, a consistent source of income, and be homeowners to qualify.
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 Loans
Keep your current mortgage rate, use funds for almost any purpose, and a fast online application
Who Should Apply
Achieve Loans Could Be a Good Fit If You Are:
• Need $15,000 or more for debt consolidation, home improvements, or other major expenses.
• Want to tap into your home's equity without refinancing your current mortgage.
• Have a credit score of 600+ and a consistent source of income.
• Own a home with available equity.
• Live in an eligible state.
Get Started in 3 Easy Steps
1. Apply in Minutes
Answer a few quick questions online to see if you may qualify. It only takes about 2 minutes.
2. Review Your Options
An Achieve Loans mortgage expert will help you review available loan amounts, rates, and terms to find the right HELOC for your needs.
3. Get Your Funds
Complete your application and, if approved, you could receive funding in as few as 5 days.
The Good
✔ Flexible access to your home equity. Borrow up to $700,000 with flexible 10, 15, 20, or 30 year terms and access funds as you need them through a revolving line of credit.
✔ Potentially lower rates than unsecured borrowing Because your home secures the line of credit, rates are often lower than credit cards or personal loans.
✔ Borrow, repay, and borrow again up to your available credit limit throughout the draw period.
✔ Potential tax benefits. If you use your funds for qualifying home improvements, the interest you pay may be tax-deductible. Consult a qualified tax advisor to determine what applies to your situation.
The Not So Good
⚠ Not offered nationwide. Home equity financing is available in many states, though some locations are not currently eligible. Availability excludes AK, CT, DE, HI, ME, MA, MN, MS, MO, NV, NH, NY, RI, SC, SD, VT, VA, WV, and WY.
✓ Borrow $15,000-$700,000
✓ Credit scores 600+ may qualify
✓ Secure fixed rates as low as 5.5% APR
✓ Keep your existing mortgage
✓ Apply online in minutes