NMLS #2738664•Licensed in FL, CO & KY•DSCR Nationwide (40+ States)
    MG
    HELOC

    Tap Into Your Home's Equity

    Access flexible funds through a Home Equity Line of Credit — without touching your primary mortgage.

    What is a HELOC?

    A Revolving Credit Line Secured by Your Home.

    A Home Equity Line of Credit (HELOC) is a revolving credit line secured by the equity in your home. Unlike a traditional loan, you draw what you need during the draw period, repay it, and draw again — giving you flexible, on-demand access to your equity.

    Think of it as a credit card backed by your home.

    Key Benefits

    Flexible Access to Your Equity.

    Draw only what you need, when you need it
    Typically lower rates than credit cards or personal loans
    Interest-only payments available during the draw period
    Use funds for renovations, education, business, or emergencies
    Potential tax advantages — consult your tax advisor
    General Requirements

    What You Need to Know.

    These are educational guidelines, not guarantees. Every situation is different — let's look at yours together.

    1
    Sufficient equity in your home (typically 15–20% must remain after the line is established)
    2
    Demonstrated ability to repay
    3
    Stable income documentation
    4
    Primary or secondary residence in most programs

    Note: HELOCs typically carry variable interest rates tied to market indices, which means your payment can change over time.

    Who This Is For
    Homeowners who want flexible, recurring access to their equity without refinancing their entire mortgage. Great for ongoing renovation projects, business owners, or anyone who wants a financial safety net.
    Ready to Tap Your Equity?

    Let's Look at Your Options Together.

    Tell me about your home and your goals — and I'll show you if a HELOC is the right move.

    Joshua Billings, NMLS #2738664. NEXA Mortgage LLC, NMLS #1660690. 5559 S Sossaman Rd, Bldg 1 Ste 101, Mesa, AZ 85212. Licensed in FL, CO & KY. Equal Housing Opportunity. This is not a commitment to lend. Terms and conditions apply.