Flexible, Reusable Funds—Right from Your Home
A HELOC is a revolving line of credit secured by your home’s equity. It works like a credit card—you draw funds as needed during a “draw period,” then repay it over time. HELOCs are ideal for ongoing expenses or when you don’t want to borrow a lump sum all at once. They are perfect for:
- Home renovations or repairs
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Consolidating high-interest debt
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College tuition or big expenses
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Emergency funds
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Investment opportunities
Simple, Flexible, and Tailored to You
1. Apply Online/With a Loan Officer:
We’ll review your home equity, income, and credit to determine your eligibility.
2. Access Your Funds:
Once approved, you’ll receive access to a line of credit you can draw from as needed.
3. Draw Period:
During the draw period (usually 5–10 years), you can borrow, repay, and borrow again.
4. Repayment Period:
After the draw period ends, you’ll repay the remaining balance over time (usually 10–20 years).
Smart Lending Backed by Personalized Support
At PAH Mortgage, we make tapping into your home equity easy, affordable, and stress-free. From helping you determine if a HELOC is right for you to walking you through every step, our team is here to support your financial goals.
Benefits of Our HELOC Program:
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Competitive variable and fixed-rate options
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Interest-only payments during the draw period
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Easy access to funds when you need them
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No upfront lump sum required
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Trusted guidance from experienced loan officers
Which Home Equity Option Is Right for You?
Title | HELOC | Cash-out Refiance | Home Equity Loan |
|---|---|---|---|
Re-use Funds | Yes | No | No |
Interest-only Options | Yes | No | No |
Fixed Monthly Payment | No | Yes | Yes |
Borrow as needed | Yes | No | No |
Not sure what works best for you? We’ll help you compare all your options and choose the right path.
Yu, Oakland, CA
"As an only child i dont have any siblings but if i had one and they were in the fiance business then id imagine they would treat me the same way z did, like family."
David, Baldwin Park, CA
"I worked with Josue to purchase our first home and really can't say enough good things about him. He is knowledgeable, approachable, personable, patient, and incredibly professional. He answered every question and explained every form and every part of the process clearly and thoroughly. I highly recommend "
Donna, Long Beach, CA
"I thought ALL was lost. I received a card advising me of how they can help me with my situation they put me in touch with the proper people (Keep Your Home California) and saved me and my family from devastation."