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HELOCpedia

HELOC Programs

A home equity line of credit isn't one-size-fits-all — the right program depends on how you earn. Below are the HELOC programs we write as a direct lender in 22 states, matched to self-employed borrowers, complex income, and real estate investors.

Choose your program

Self-Employed HELOC

Home equity lines for business owners and 1099 earners — income read correctly, with full-doc, bank statement, and no-doc paths.

Bank Statement HELOC

Qualify on 12–24 months of bank deposits instead of tax returns. Built for the self-employed.

No-Doc HELOC

Access equity with minimal income documentation — bank statement, asset-based, and DSCR paths.

Investment Property HELOC

Tap the equity in a rental with a revolving line — without touching your first mortgage.

Talk to a licensed HELOC lender

Get a rate estimate or ask a question — direct answer from Audi Garner, Branch Manager & Broker (NMLS #190235). No sales pitch. No hard credit pull.

Get a 60-second rate estimate

Soft pull only. Written quote emailed within 1 business day.

By clicking "Get My Rate Estimate" below, you agree that Audi Garner (NMLS #190235) and West Capital Lending (NMLS #1566096) may contact you at the phone number and email address provided — including by automated phone calls, prerecorded messages, text messages (SMS), and email — even if your number is on a state or federal Do Not Call registry. Consent is not required as a condition of receiving a rate quote. Message and data rates may apply; message frequency varies. Reply STOP to any text to opt out or HELP for help. See our privacy policy.

Soft credit pull only. No commitment. NMLS #190235 · West Capital Lending (NMLS #1566096).

Ask Audi a HELOC question

Direct answer from a licensed originator. Usually within 1 business day.

By clicking "Ask Audi" below, you agree that Audi Garner (NMLS #190235) and West Capital Lending (NMLS #1566096) may contact you at the phone number and email provided — including by automated calls, text messages (SMS), and email — to answer your question. Consent is not required. Message and data rates may apply. Reply STOP to opt out. See our privacy policy.

No sales pitch. No marketing list. Just a real answer.

Audi Garner, Mortgage Broker NMLS #190235
Audi Garner — Branch Manager & Mortgage Broker

NMLS #190235 · West Capital Lending (NMLS #1566096). 20+ years in mortgage lending, specializing in HELOCs, home equity, self-employed and non-QM lending as a direct lender across 22 states. More about Audi → · Verify NMLS