Fund in as few as 5 days
Your home’s equity,
unlocked in days.
A 100% online Home Equity Line of Credit. Approval in as few as 5 minutes. Borrow up to $750,000 with adjustable or fixed-rate options. No paperwork mountain.
Pre‑qualification does not affect your credit score.
Trusted by homeowners
4.95 / 5 across
184 verified reviews.
“My experience with WCL and Sean was beyond my expectations. I have never done a closing on any loan or real estate transaction that was as easy as this one. Funded in under 5 days and paperwork was a breeze. Highly recommend WCL and Sean.”
“Mollika and Sean helped us through this interesting process of buying a home and did it professionally and showed great concern about helping us on our way to closing the deal.”
“This was the easiest and smoothest lending and real estate transaction I've ever experienced. Funded in less than 5 days with efficient and effortless paperwork. Would recommend Sean and his team at WCL for any of your lending needs.”
“I had a great experience working with this mortgage company. The entire team was professional, knowledgeable, and very helpful throughout the whole process. They answered all of my questions and kept me informed every step of the way.”
“Nice to work with them, especially Mollika — she is very expert, helpful, knowledgeable, and friendly. It is easy to communicate and fast for running the loan. I really thank you so much.”
“Sean is great and easy to work with. The whole process was smooth and stress-free from start to finish.”
Reviews aggregated from Experience.com, Zillow, and Google for Sean Mesdaghi, NMLS #264444.
Read all 184 reviews →From application to funded in under a week.
Most lenders take 30–45 days. We take 5. The entire process happens online — no in‑person appraisals, no waiting on faxed documents.
Check your rate
Answer a few questions online. A soft credit pull means no impact to your score.
Get approved
Decisions in as few as 5 minutes. Link your accounts — we handle the paperwork.
Sign and fund
Online support and video notary. Money in your account in as few as 5 days.
Use it for almost anything
What can a HELOC do?
Debt Consolidation
Replace high‑interest credit cards with a single fixed payment.
Home Improvement
Renovate the kitchen, add an ADU, or finance solar.
Education
Cover tuition without touching retirement accounts.
Major Expenses
Weddings, medical bills, family emergencies.
Small Business
Fund the next chapter without selling equity.
Investment
Down payment on a rental or second home.
Speed matters
Close in
five days.
When opportunity (or an emergency) shows up, you don’t have weeks to wait. Our HELOC platform is built for speed — an online application, automated account linking, and a video notary mean most borrowers go from “check my rate” to money in the bank in under a week.
New product · Self-Employed
A Self-Employed HELOC up to
$1,000,000.
Most lenders cap self-employed borrowers at $750,000. We go to $1,000,000 — with no tax returns required. Qualification is based on 12 months of recent personal or business bank statements, so 1099 contractors, business owners, and freelancers can finally tap the equity they’ve earned.
- Line of credit — draw as needed, only pay interest on what you use
- 3-year or 5-year draw period options
- No W-2, no P&L, no tax transcripts
- Closes in approximately 21 days
Subject to credit approval, property valuation, and underwriting guidelines.
Eligibility
Most U.S. homeowners qualify.
We lend on a wide range of property types. Primary, secondary, and even investment properties are eligible.
- Single family residencesEligible
- CondominiumsEligible
- TownhousesEligible
- Primary, second home, or investmentEligible
- Lines from $15,000 to $750,000Eligible
- Adjustable or fixed‑rate optionsEligible
Don’t qualify for a HELOC?
We have a loan for that, too.
As the #1 mortgage broker in the country, West Capital Lending shops dozens of investors to match you with the right product — even when a HELOC isn’t the answer.
Conventional
Fixed and adjustable‑rate mortgages for purchase or refinance.
Apply now→FHA & VA
Government‑backed loans with low down payments and flexible credit.
Apply now→Jumbo
Financing above conforming limits for high‑value homes.
Apply now→Cash‑Out Refi
Tap equity through a full refinance when it makes more sense.
Apply now→DSCR & Non‑QM
Investor‑friendly underwriting based on rental income.
Apply now→Reverse Mortgage
Convert equity into income for borrowers 62 and over.
Apply now→Questions, answered.
How fast can I actually get funded?+
Most borrowers fund in as few as 5 days from application. Complex situations may take longer.
Will checking my rate affect my credit?+
No. Pre‑qualification uses a soft pull and does not impact your credit score.
How much can I borrow?+
Lines range from $15,000 to $750,000 depending on equity, credit, and property type.
Is the rate fixed or adjustable?+
You can choose either a competitive fixed rate locked at origination or an adjustable rate — whichever fits your goals best.
What if I don’t qualify for a HELOC?+
We’ll match you with another mortgage product — conventional, FHA, VA, jumbo, cash‑out, or non‑QM.
Do you offer a HELOC for self-employed borrowers?+
Yes. Our Self-Employed HELOC goes up to $1,000,000 with no tax returns required — we qualify you using 12 months of recent bank statements. Most competitors cap self-employed borrowers at $750,000.
How long does the self-employed HELOC take to close?+
Approximately 21 days from application to funding. You can choose a 3-year or 5-year draw period.
Find your rate
in five minutes.
Soft credit check. No paperwork to gather. Approval in minutes, money in days.
Find my rate →WCL is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate based on race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract) because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 20580.
Copyright © 2026 West Capital Lending, Inc. All Rights Reserved. | NMLS# 1566096 DRE# 02022356 - NMLS Consumer Access