Standard Vault

Every loan is more than numbers, it’s your story. We’re here to guide you with clarity, care & confidence.

Every loan is more than numbers, it’s your story.

We’re here to guide you with clarity, care & confidence.

Standard Vault Options

Conventional

FHA

VA

HELOC

VOE

Reverse

Unlock Home

Equity Flexibility

Home Equity Line of Credit

A HELOC, or Home Equity Line of Credit, allows homeowners to borrow against the equity in their home. In other words, it lets you access the value of your property without selling it, giving you funds to use while you continue making regular mortgage payments.

At Loan Vault, we know second mortgages and HELOCs can be confusing. That’s why our trusted Loan Officers are here to guide you through the pros and cons, helping you decide if it’s the right option, or steering you toward a better one. With us, you’ll always have the support you need.

Step Inside, We’ll Guide You

Confused about where to start?

Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.

Step Inside, We’ll Guide You

Confused about where to start?

Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.

What is a HELOC?

A HELOC is a second mortgage that lets you tap your home’s equity for cash. It includes a draw period with interest-only payments and a repayment period for principal and interest. Because payments can rise quickly, consult a Loan Officer to ensure it suits your finances.

A HELOC has:

• The ability to borrow large sums of money
• No specification on what that money is used for
• Benefits when trying to consolidate debt at low interest rates

Is a HELOC Right For You?

Requirements to keep in mind when considering a Home Equity Line of Credit:
• Credit scores over 700
• You must hold at least 15-20% equity in your home
• Proof of reliable income
• Low debt-to-income ratios

Reach out

949.504.8694

contact@loanvault.io

Phyllis C.

2 months ago

My first encounter was with Amir. He took the time to explain the process, rates, and the benefit of refinancing. Aisan Hashemi handled all my paperwork and the whole process was thorough and professional. I recommend Trusted Mortgage to anyone especially military families because of their knowledge with VA financing. Overall, we were happy with their Service.
J & P Combs

Jamie F.

2 months ago

Great service and communication throughout our interactions

Robert A.

3 months ago

Adam and Aisan were great to work with. I could not believe how quick and painless they made the process. These two are the only people I will deal with when it comes to refinancing. Adam beat every other interest rate out there. No one else came close. Don’t waste your time with anyone else.

Louis V.

6 months ago

Highly professional and honest. Outstanding service. They treat us veterans with A + service.