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Eligibility Why was I unable to receive an offer? Can Upstart Mortgage make exceptions for unique situations? Can I use a co-borrower or a co-signer? Which States am I eligible to apply in? See all articles › Applying for a HELOC Can I apply for a second HELOC? What is a HELOC? Am I required to make a minimum draw? How does applying for a HELOC affect my credit? When and how do I receive funds from my draw? See all articles › Verification How do I get my education transcript? Can I use my household or spousal income? What documentation will verify my income? Can I increase my HELOC credit limit after I have accepted my HELOC terms? What is considered income? See all articles › Closing Can I sign my closing documents online? Or will an in person closing be required? See all articles › Making HELOC Payments Options for Making Payments See all articles › About Upstart What is Upstart Mortgage? How can I contact Upstart Mortgage? See all articles › Popular questions When and how do I receive funds from my draw? What is a HELOC? Why was I unable to receive an offer? How can I contact Upstart Mortgage? Which States am I eligible to apply in? Can Upstart Mortgage make exceptions for unique situations?