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Support Home Applying for a HELOC
  • Can I apply for a second HELOC?

    No, at this time customers are limited to one HELOC Account at a time. If you pay…

  • What is a HELOC?

    A Home Equity Line Of Credit is a revolving credit account which allows homeowner…

  • Am I required to make a minimum draw? 

    Yes, upon opening your Upstart Mortgage HELOC you will be required to make a mini…

  • How does applying for a HELOC affect my credit?

    Checking your rate with Upstart Mortgage will not affect your credit score. When …

  • When and how do I receive funds from my draw?

    We must wait for the regulatory rescission period to expire prior to disbursing y…

  • What is the range of interest rates offered on HELOCs?

    All Upstart Mortgage HELOCs offer a variable rate, but each draw will have a fixe…

  • Can I change my application after it has been submitted?

    You will not be able to edit your application once it is submitted. Please be sur…

  • What can I use the HELOC proceeds for?

    You can use your HELOC proceeds for almost anything. The following are some optio…

  • How much money can I borrow?

    We offer credit limits between $26,000 and $150,000 …

  • How do I apply for a HELOC?

    Please complete the brief online application that will include information about …

  • What is the difference between a soft and hard credit inquiry?

    There are two kinds of inquiries that can occur on your credit report: “hard” inq…

  • Can I negotiate the rate or my HELOC terms?

    You cannot negotiate the HELOC terms or rate. Your offer is generated by our AI m…

  • Why do you need my social security number and date of birth?

    We must collect and verify your personal information, including your date of birt…

  • Can you withdraw my application?

    If you wish to withdraw from the application process, please email us at heloc.su…

  • What fees am I charged for the HELOC?

    Fee Amount Frequency Description Origination Fee 0% - 4.99% of the credit limit  …

  • Are HELOCs through Upstart Mortgage fixed rate or variable rate?

    All HELOCs through Upstart Mortgage have a variable interest rate. However, each …

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