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Get Cash Out Without Touching Your First Mortgage

Access Up to 90% of Your Home's Equity
Pre-Qualification - Soft Credit Report *

A Soft Credit pull is all that is required to get started

100% Online Application

No need to go digging for paperwork. Just link your accounts

Super Streamlined Income & Asset Verification

Once your accounts are linked. It's a fast and easy verification process

Approval In Minutes
Funding In 5 Days **

Once approved, you're just days away from cash in hand

Dedicated Customer Support Team

We are available M-F 7am - 7pm PST

Frequently Asked Questions

What is the Interest Rate for this program?

Interest rates are determined by Artificial Intelligence programs. You may expect rates in the range of 5.64% - 1 2 .44%. If you are approved, you will receive different options to choose from. The rate, term, & origination fee can be selected that is most suitable for your needs.

Are there any pricing discounts?

Quoted interest rates assume a 0.25% discount for automatic payment enrollment. Opting out of this feature will increase the interest rate accordingly.

What can I expect to pay in closing fees?

The only closing fee is the one-time origination fee of 1.5%, 3.99%, or 4.99% depending on your selection (choices vary based on creditworthiness, LTV, and state of residence)

Is this an Interest Only loan?

The HELOC is fully-amortizing throughout the life of the loan, there is no interest-only period.

How is income verified?

Income is verified via automated or manual means. You will have the option to verify income by your choice of bank account data, asset accounts, paystubs, or tax filings.

Can I apply with my spouse or another co-borrower?

Although this program does not allow for a co-borrower, you can use household income. This income will need to be verified.

How is my home's value determined? Do I need to pay for an appraisal?

An Automated Valuation is used to determine your home's value. There is no out of pocket cost to you for this purpose.

What is the pre-payment penalty ?

There is no pre-payment penalty.

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Angela with Loantown was so great! She was always there no matter the time of day to answer all my questions and really explain in detail. She made the process of buying our first home so smooth and enjoyable. Couldn't have asked for any more!

Krystal Gainey on May 9, 2023, 12:55 AM

Loantown approved my HELOC after being turned down by others. I was introduced to Angela Butler at a point when my financial options were just about exhausted. There was a point in the process when my wife and I felt we would once again be turned down but Angela's determination in coordination with Candice Hulett were able to get us approved. From my first phone call to Angela and all the way through the process her optimism and desire to make it work never wavered. It is very refreshing and gratifying especially in this day and age to work with pleasant, upbeat, and knowledgeable people like Angela and Candice. I applaud Loantown and reccomend them highly and I am very grateful for being introduced to Angela and I go back to our first phone call when I explained my situation and she responded with such optimism and encouragement that she would do everything possible to make it work. And she did, and it worked. Thanks Dave

David Mantz on Feb 17, 2023, 11:25 PM

Great experience with Angela Butler at Loantown. She made our experience wonderful. You are blessed to have an employee like her. Made the process easy. Again, thanks Angela.

Mark Thompson on Jan 5, 2023, 6:51 PM

Absolutely amazing.TYVM for helping us above and beyond esp. Sir John A. Keep up the good work.

Rodelene Jamandre on Jan 2, 2023, 11:03 AM

Angela was amazing to work with! She always provided prompt and knowledgeable communication throughout the entire loan process from beginning to end. She went above and beyond! Highly recommend this company.

Shannon Stoven on Oct 24, 2022, 9:24 PM

Great timely service and very communicative!

Sean Herod on Oct 24, 2022, 4:40 PM

I personally had a great experience with Angela at Loantown. Excellent communication - quick response and thoughtful answers to various questions I had. Expedited close process, and a competitive rate for the loan I wanted. Providing documents was easy, and instructions were clear. She communicated fluidly and directly with my realtor, escrow officer, and insurance agent. There were no aspects of our interaction that left me confused or unhappy. She even worked on my loan and talked with me over Labor Day weekend.

Mike McC on Oct 13, 2022, 7:49 PM

Angela made my line of credit loan process painless! Which is saying a lot when it comes to a home loan with multiple income sources. She was quick to respond and answered all of my questions, and some I hadn't thought of. I was approved within a day of submitting everything, and funded just a few days later. I couldn't ask for a better transaction.

Eris Wilson on Sep 21, 2022, 7:24 PM

Smooth, quick, and easy process. Loantown is squared away. Will use them in the future.

Daniel Newman on May 28, 2022, 10:21 AM

Mark Hahn on Apr 30, 2022, 11:58 AM

Loantown provided a creative solution for my specific needs. Austin and Candice were fantastic to work with and exceptionally efficient and expedient. I will not hesitate to go to them again and will recommend them to my friends.

Tim Miller on Apr 9, 2022, 2:32 PM

Jason Katz comes highly recommended from our family. My fiancé and I recently purchased our first home during unprecedented housing market of 2021 and worked closely with Jason. He was attentive to our needs, very responsive. He was always willing to talk us through over the phone and kept in touch with us throughout the entire process. We are grateful for his help and would highly recommend him to anyone looking for a lender.

Farnaz K on Mar 27, 2022, 11:32 PM

Jason Katz and his team were an invaluable asset to us throughout the home buying process. Jason is incredibly knowledgeable and has a keen ability in explaining things in layman’s terms. He is also prompt, accessible, and most importantly, a pleasant person to work with. These folks really care about you and it truly shows. I’d recommend Loantown 1,000 times over!

Amir Shoar on Mar 27, 2022, 10:49 PM

This was my first time working with Jason and his team at Loantown after 15 years with my previous broker. The professionalism of this team and their complete transparency on all aspects of this transaction was refreshing. I could not give them a higher recommendation! You can unequivocally trust them with your next home loan or refi.

TheCrosbyFiles on Mar 8, 2022, 6:03 PM

I would definitely recommend Jason to friends and family for any home loan needs. Jason got me a great rate. He and his team handheld me through the entire process making it as easy and convenient as possible. Jason also made himself completely available, answering every one of my phone calls personally. Jason also spent An incredible amount of time with me on these phone calls explaining the process as well as the ins and outs of the market. I truly felt like Jason had my interests as his primary concern and this gave me the confidence that I was working with the best possible loan consultant In the business. patrick

Patrick Collins on Feb 11, 2022, 6:52 PM

Jason and his team made this process very smooth and easy. I would highly recommend Loantown and will use them again in the future if needed. Jason and his team were very helpful, experienced and professional.

Tom Brinegar on Feb 8, 2022, 4:56 PM

Kudos to Jason and Loantown!! In the past year, Jason helped us complete two refinance transactions. One was on our primary residence and the other on a rental property. Both transactions went smoothly with Jason's guidance and the help from his great professional team. We'd heartily recommend Jason and Loantown for any purchase or refinance needs. Thanks Jason!!

Len Zelazny on Feb 7, 2022, 7:09 PM

Jason was a great help setting up a portfolio load for us when we purchased our home in 2012. Bank lenders were not helpful; because their approval process under the recently-passed Dodd-Frank act was too narrowly-defined. Wasn't a problem for Jason - He got us a great loan for a very low rate. So, when we were ready to refinance into a 15-year mortgage, we went back to him; and he got us an even better deal!

Steven Kohn on Feb 7, 2022, 3:07 PM

My family has been relying on Jason and his team for years, and I personally have obtained about 10 mortgages/refis through Jason. I only have wonderful things to say about him - he is extremely experienced, knowledgeable, patient, creative, and will do whatever it takes to close your loan on time. He will work with you, whatever your situation, to get you the best possible rate and overall package. There have been times when something went wrong, but if it was on my end he was understanding and patient and if on his end he owned it, took full responsibility and fixed the situation immediately (often without me even knowing there was a problem until after it was resolved). He and his team are very responsive and efficient. I wouldn’t work with anyone else!

Sara Zelazny on Feb 3, 2022, 12:28 AM

Mr. Jason Katz is one of a kind. If u do business with him you would be a lifetime client. He has all that you hope someone whom you deal your finances with would poses; integrity, honesty, intelligence, creativity and a pleasure to talk with. He discusses and explains any questions which you have. He returns ur calls even during weekends or after hours. He gets you the most favorable rate. Above all he is an exceptional human being. I and my extended families have had the honor of knowing him for over 15 years…. We are all so very grateful for all he has done for us and continues to do so. Thank you Jason! Warm regards, Ziband Zelazny

Ziband Zelazny on Feb 1, 2022, 7:18 PM

My experience with Jason & his team was top notch. From application to loan approval, they made the process seamless and stress free. Not only did my loan clear on time, Jason was also able to lock us in with a fantastic rate. He is super professional and a joy to deal with. I would 100% use Jason again and would also have no hesitation in referring him to my friends and family.

Steven O'Keeffe on Feb 1, 2022, 5:09 PM

Great team to work with. Worked very hard to get the best rate available on the market. Went through all the process in record time, unlike anything I have experienced before.

Benjamin Vilenski on Feb 1, 2022, 12:51 PM

I have made several refinance ( three to be exact ) and in all occasions the process went smooth from beginning to end. Jason and his team are professionals. I would highly recommend their services.

jceviche on Jan 31, 2022, 10:34 PM

I was absolutely 100% satisfied with everything Loantown have done for me. The whole team were very easy to work with, super organized and done most of the work for me. I am so grateful and I have a very happy family and a beautiful house! Thank you!

John Appledisiac on Jan 31, 2022, 4:53 PM

very professional, very knowledgeable, and made the process easy. great guy

keith Kanzel on Jan 31, 2022, 3:07 PM

Working with Jason and his team was a dream come true. When I called or emailed, the response was prompt and thorough. I was given a realistic time-line for the loan to close and it closed on time. I will definitely be doing all future loans with Jason and highly recommend he and his team. — Stephen Lutz

Steve Lutz on Jan 30, 2022, 3:03 PM

Jason Katz and Angela Butler and their team were awesome. They were able to get an artist and a musician to fit into the boxes that the underwriters needed to be set up as they sell the loan soon after the close of escrow. Which by the way doesn’t affect you one whit. Highly recommend. — Rosemary KimBal

Rosemary KimBal on Jan 28, 2022, 11:14 PM

Jason is awesome, always accessible and will to take you thru the steps in the process.

Erez Nir on Jan 28, 2022, 11:05 PM

The process was seamless and super fast. I am very happy with my experience and would recommend anyone who is looking to use loantown.

Evan Moses on Jan 28, 2022, 3:55 PM

I have worked w/Jason now on several occasions & he has always been completely professional, efficient & responsive. The result of all this is that I am left with a completely positive and friendly feeling which is pretty rare. I would not think of going to someone else.

Steve Strohbehn on Jan 28, 2022, 3:39 PM

Myriam Pata on Jan 28, 2022, 2:40 PM

Jason helped us refinance our loan and we were happy with the results. His team is helpful, professional and responsive. We would use Jason again and recommend Loantown!

Lisa Lutz on Jan 28, 2022, 2:19 PM

Jason took care of our refi he was great to work with, he made things simple and smooth. He did well on the rates and was there for my wife and I through the process. I also appreciated the quick response time. I look forward to working with him again.

Robert Moussa on Jan 28, 2022, 2:12 PM

Jason is extremely professional and always looks to add great value. I've refinanced a few loans with him and he continues to be a great partner.

Kian Raiszadeh on Jan 28, 2022, 1:51 PM

Jason Katz and his team are my only choice to refer all my clients for the past 5 years. His knowledge calmly guides homeowners to their best options. His quick responsiveness helps close purchase deals in a fast competitive market.

Nina Wright on Jan 28, 2022, 1:13 PM

Antonio Christophy on Jan 28, 2022, 12:48 PM

As a 1st time homebuyer, I am so grateful to have had Jason and his team hold my hand through the entire process. Jason, Angela and Candice are knowledgeable, quick, efficient, communicative and patient... I had many questions and I never felt like I was rushed or being brushed aside. I'd recommend them to anyone!

Jack Paraja on Dec 27, 2021, 11:17 AM

Jason Katz and his processer, Angela Butler, are topnotch professionals. They will keep you up to date on your loan and make sure you are aware of the status in a timely manner. They truly care about each loan as it impacts each individual, thinking "outside the box" for a successful close. Whether a purchase contract or a re-fi; they handle both with ease and that "personal touch", always maintaining a high level of work ethic and standards. Without hesitation, I will be using Loantown loan services for all my future lending needs....you should too!

Michele Gilmore on Oct 17, 2021, 4:34 AM

We had the pleasure of working with Loantown to obtain financing for the purchase of our first home. Having spoken to several other loan brokers, banks, and lenders, we know that Jason and team at Loantown are the best! As first time home buyers, we knew nothing about the mortgage process. The Loantown team went above and beyond to answer all of our basic questions about type of loans while providing their expert opinions for our situation. Those who have gone through the mortgage process already know that it can be an invasive and complicated ordeal to coordinate between the interested parties. Loantown helped make our process a breeze. Through their regular communication and management of expectations with us, it was smooth sailing the whole journey. Without Loantown our offer for our home would not have been accepted. In the current seller's market, concessions from buyers are often required to remain competitive. We could not have written an offer with a short 30 day closing and 7 day contingency period without the confidence and support of the Loantown team.

Bryn Taylor on Oct 2, 2021, 1:47 AM

Jason and his team were wonderful. Just closed my refi in less then 30days. Couldn't have asked for a more responsive and professional team to work with. Thank you — DonnaR

Donna Romano on Sep 30, 2021, 12:04 PM

Jason has handled the refinancing of my house several times over the past 10 years. In every instance he has found the best rates for the least cost. He has been very competent and professional in all aspects of my refinancings. My refinances under his Refreenance program resulted in zero costs to close the escrows .In conclusion I would recommend Jason as the broker to manage any refinancing.

David Szewzuk on Aug 21, 2021, 11:40 PM

Happy Clients

* A soft credit report is needed to get started. Once YOU Select your product and decide to move forward, a hard credit report will be processed.

** Five business day funding timeline assumes closing the loan with an online notary. Funding timelines may be longer for loans secured by properties located in countries or states that do not permit recording of e-signatures or that otherwise require an in-person closing. Restrictions may apply. THIS IS NOT A COMMITMENT TO LEND. Terms, conditions, and programs are subject to change without notice. All loans are subject to credit, underwriting, and property approval guidelines. This is not an offer to enter into an interest rate lock agreement. Finance Inc. is not affiliated with your current lender nor any Government Agencies. Not all applicants will quality for these terms. Loantown is a registered trademark of Finance Inc. ALL rights reserved. For licensing information, go to: www.nmlsconsumeraccess.org. Licensed by Department of Real Estate #01255282 NMLS 2090923.

*** Finance Inc. dba Loantown Home Equity Line of Credit (HELOC) is an open-end product where the complete loan amount minus the origination fee will be 100% borrowed at the time of origination for a minimum of 30 days. The initial amount funded upon origination will be based on a fixed rate; however, this product features an additional draw feature. The length of the draw feature varies from 2-5 years based on the program selected. The borrower is permitted to take more draws during the draw term as long as they do not exceed the line's outstanding balance. If the borrower elects to make an extra draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. The fixed rate for any subsequent draws may therefore be greater than the fixed rate for the first draw. Your home must be pledged as security for the HELOC, and if you default on the loan payments, your home may be forfeited. To qualify for credit, borrowers must fulfill the minimum conditions set forth by the lender. only accessible for primary, secondary, and investment houses depending on the required debt-to-income ratio and the minimal credit score. Your rate and the maximum loan amount are determined by a number of factors, including your occupancy status, lien position, and credit score. All candidates may not be accepted. Applicants are subject to underwriting and credit approval.

For more information on HELOC's click here https://files.consumerfinance.gov/f/documents/cfpb_heloc-brochure_print.pdf

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