HELOCs in Irvine, CA. Keep your current mortgage.
Tap your home equity without refinancing. Local help in Irvine and across Orange County.
You can usually borrow against your home without touching your first mortgage. A HELOC is a second mortgage, so your current rate and payment stay exactly as they are.
Not touching your first mortgage? Good. You don't have to.
Takes 2 minutes. Not an application, no credit pull.
Call or text Brian (949) 577-6756
Brian Ramos, NMLS 246752. Office in Irvine, CA.
Home equity estimate
How much of your equity could you use?
It comes down to three numbers: what your home is worth, what you still owe, and how much of its value a lender will lend against in total.
Your best guess is fine.
What you still owe on your current mortgage. Enter 0 if it's paid off.
Credit cards, personal loans and other high-interest debt.
Assumes a lender lends up to 90% of your home's value across all loans on it, which is called the combined loan-to-value. That limit varies by lender, program and property.
Estimated equity you could tap
Takes 2 minutes. Not an application, no credit pull.
Rough estimate from the numbers you enter. Not an offer, approval or commitment to lend. Lenders also look at credit, income, debts and the property. A HELOC is secured by your home, and missing payments can lead to foreclosure.
Why Brian
What's it like to get a HELOC with Brian?
Mostly online, flexible on credit, and personal. You deal with me from the first question to closing.
Questions at any step? Call or text me. I'll walk you through it.
Takes 2 minutes. Not an application, no credit pull.
Built for speed
Most of it happens online, so you spend less time waiting on paperwork.
Flexible on credit and property
I look at the whole picture: your equity, your income and your history. I do HELOCs on primary homes, second homes and investment properties. Checking your options here doesn't pull your credit.
Easy, from home
Apply online and sign electronically. Where online notary is available, you can close from home, too. I tell you up front exactly which documents I need.
Me, the whole way
You deal with me, start to finish. I explain every step, every cost and every signature. And I'm not a one and done guy.
Call or text (949) 577-6756
Full disclosure: the HELOCs I offer fund the full amount at closing, and interest starts on all of it that day. So I'll help you borrow what you need, not the most you can.
What can I use a HELOC for?
These are the reasons I hear most from homeowners.
Pay off high-interest debt
Roll card and loan balances into one payment. Full disclosure: that moves the debt onto your home. See your debt numbers
Home improvements
A remodel, a new roof, an ADU. The money funds at closing, so plan on borrowing the full project budget up front.
Life events
Tuition, a wedding, a family move. The big costs that come with real life.
Not sure yet
Tell me what you're working on. I'll lay out your options and every cost.
Where can I get HELOC help in Irvine?
Right here in Irvine. My office is at 17911 Von Karman Ave, Suite 400, and I work with homeowners across Orange County.
17911 Von Karman Ave, Suite 400, Irvine, CA 92614
Directions on Google Maps
Meet me at my Irvine office, or do it all from home. Call or text to set a time.
Monday to Friday 8 AM to 6 PM
Saturday 8 AM to 1 PM, closed Sunday (Pacific)
Call or text (949) 577-6756
Areas I serve: Irvine, plus nearby Tustin, Orange, Villa Park, Newport Beach, Costa Mesa and Huntington Beach, and South County: Lake Forest, Mission Viejo, Laguna Niguel, Aliso Viejo, Ladera Ranch and San Clemente.
Irvine HELOC questions
Can I get a HELOC without refinancing?
Yes. A HELOC sits behind your current mortgage as a second loan, so your first mortgage, its rate and its payment stay the same. You'll have two payments: the one you have now and the new one.
Do I get the money all at once?
Yes. The full amount funds at closing, and interest starts on all of it that day. So I'll help you borrow what you need, not the most you can.
How long does a HELOC take?
It depends on how your home's value is checked, how fast your documents come in, and whether you can sign with an online notary where you live. I'll give you a realistic timeline before you apply.
What does a HELOC cost?
Costs vary by lender, and I show you every one before you decide: interest, origination or closing costs, the home value check, and title and recording.
What are the risks?
Your home secures the loan, and missing payments can lead to foreclosure. You'll also have two payments to manage. If it doesn't make sense for you, I'll say so.
Can I get a HELOC on a second home or rental property?
Yes. I do HELOCs on primary homes, second homes and investment properties. Limits can differ by property type, and I'll tell you what applies to yours.
Can I get a HELOC on an Irvine condo?
Yes, condos can qualify. Your HOA dues count toward your monthly housing costs, and I'll factor them in when I look at your numbers.
Do Mello-Roos taxes or HOA dues affect a HELOC in Irvine?
They can. Mello-Roos is billed with your property taxes, and lenders count it in your monthly housing costs, along with HOA dues. I'll factor both in when I look at your numbers.
Do I have to come to your office?
No. Most of it happens online. If you'd rather meet in person, come see me at my office on Von Karman Ave in Irvine. Call or text to set a time.
Will checking my options affect my credit?
No. I only ask for rough ranges, and nothing here pulls your credit.
Ask me anything about your equity.
- 1 Tell me what you're working on.
- 2 I look at your numbers myself.
- 3 I lay out your options and every cost.
Takes 2 minutes. Not an application, no credit pull. Or call or text (949) 577-6756.