Standalone HELOC
Unlock your home equity.
Discover a more convenient way to leverage your home’s equity. Whether for debt consolidation, home improvements, or that project you’ve been putting off, we’ve made accessing funds faster and more convenient than ever!
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Fast No-Hassle
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No Appraisal
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Funds in 3-5 Days
Easy & Fast
Say goodbye to tedious paperwork.
Same Day Approval
Say goodbye to tedious paperwork! Our HELOC application process, underwriting system, and valuation model is streamlined. This allows us to offer same-day approvals and HELOC funding in as little as three business days after final approval.
100% Funded
You’ll receive 100% disbursement of funds, with no costs due at closing. You won’t pay anything out of pocket.
Flexible Terms
Designed for your lifestyle. Tailor your HELOC to fit your financial journey. Choose from terms ranging from 5 to 30 years, with 2- to 5-year draw periods, and absolutely no pre-payment penalties.
4.9
- Working with Nathan at The Mortgage Architects helped bring clarity to an otherwise chaotic process. He was responsive, knowledgeable, and took the time to walk us through each step during our calls. One area for improvement would be setting clearer expectations upfront around the different people who … More would be contacting us throughout the process. While he did explain this over the phone, a simple visual like an org chart or timeline would have helped us better understand who was who and when they'd be involved. Overall, we appreciated his guidance and support and would definitely recommend working with him.
Charlotte H. ★★★★☆ in the last week
- We had the chance to work with Nathan and his team for our first home purchase. His ability to explain even the most complex items with such simplicity and with very quick turnaround times, made the experience beyond fantastic.Being a first time homebuyer, we expected a lot of unknowns and hiccups but … More he made sure that the whole process was smooth and even created a series of videos explaining each and everything we needed to know to make sure we’re well informed throughout the process.He’s also been very responsive with questions that came up even after we closed on the property.Will 200% be working with him again if the chance presents in the future!
Yong Hee Y. ★★★★★ 2 weeks ago
- My fiancé and I closed on a property in Downtown Chicago with the help of Nathan and his team. They were amazingly prompt, friendly, and clear with the process even when there was a hitch present with our lenders. I greatly appreciated how he went through the entire process, and explained everything … More in great detail. IF YOU NEED A TRUSTED SOURCE, call Nathan at The Mortgage Architects - he will NOT disappoint!
Adithya N. ★★★★★ a month ago
- I’ve worked with Nathan for several years now, and I can say without hesitation that he is one of the most reliable, honest, and dedicated professionals I’ve ever met - not just in lending, but in any field.I don’t refer clients to Nathan because I have to - I refer them because I genuinely trust him. … More He’s that rare person who consistently shows up as a mentor, a friend, and a true professional all at once. His communication is always clear, his advice is thoughtful, and he’s never once made a client feel rushed or pressured.Nathan and his team don’t just provide some of the most competitive rates - they also deliver an experience that makes clients feel cared for, respected, and confident throughout the entire home buying process. Whether he’s helping first-time buyers or seasoned homeowners, he brings the same level of integrity, patience, and attention to detail.If you’re looking for someone who will not only get the job done, but also support you every step of the way, Nathan is the person you want in your corner!
Christine M. ★★★★★ a month ago
- 5 stars might not even be enough for the service we received from Nathan and his team. Absolute top notch from all aspects starting with initial conversation all the way through the final moments in a very tight timeline. Communication was incredible through the whole process, I’m not sure if these folks … More ever take any time off. Can’t recommend using The Mortgage Architects enough, you will be in the hands of the best in the business!
Alex B. ★★★★★ a month ago
- Nathan guided us through step by step along with his outstanding team. We closed on our home in less than 5 weeks from pre approval to signing our mortgage!A truly exceptional company!
michael P. ★★★★★ 2 months ago
- Nathan and his team were great to work with on getting our home purchase completed. Excellent communication from both Nathan and Heather made our experience virtually painless. I strongly recommend them to anyone looking for help navigating the mortgage market.
Bill K. ★★★★★ 4 months ago
- Nathan is heads above the rest. He's my #1 Lender recommendation for my buyers! Having been a Realtor for 10 years, I know dozens of them and it's hard to find the qualities and customer service he gives. He truly cares for each and every client and goes the extra mile to provide a clear understanding … More of the process and outlines their best options for home ownership. You would be in great hands and can trust him 1000%.
Becky N. ★★★★★ 4 months ago
- Nathan is nothing less than exceptional!!! He made me feel so comfortable and honestly like family. We ended up with an assumable loan and having to go through a different lender but I called him with questions and he still helped me with no benefit to him and nothing earned. He is a very stand up guy … More that has your interest at heart!!!! Really kills me we couldn't use him with our home purchase. You will NOT BE DISSAPOINTED WITH NATHAN!!!
Evie C. ★★★★★ 4 months ago
Speedy HELOC Funding ⚡
Say goodbye to prolonged processes; we’re all about the swift route.
We understand your time is valuable. That’s why we’ve streamlined our processes. Expect your HELOC funding just three business days after final approval.
No Appraisal, No Title
& No Escrow
Credit Lines Ranging from ,000 to 0,000
Funds in Just
3-5 Business Days
*Not available in all states.
These funds can be utilized to consolidate debts or finance home improvement projects.
“Our HELOC isn’t limited to just single-family homes. Whether you own a townhome, condo, secondary home, or even an investment property, we’ve got you covered.“
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