THE RESEARCH LIBRARY
A closer look at individual providers for a specific borrowing need. See where AI platforms agree, what the evidence supports, and where to look more closely.
Showing 121–144 of 656 results
Independent research · Open methodologyNavy Federal Credit Union is a mixed fit for accessing equity in a vacation home. Its HELOC explicitly contemplates second homes with a 95% CLTV ceiling, a 20-year draw period, and lender-pa
PenFed Credit Union is a good fit for accessing equity in a vacation or second home, with qualification uncertainty. Its published HELOC terms include second homes at up to 85% CLTV, but one
Spring EQ is a good fit for tapping equity in a vacation or second home if the property is single-unit and personally used and your credit is strong. It offers fixed-rate HELOANs and HELOCs
Andes Mortgage is a good, but not fully transparent, fit for self-employed borrowers who need bank-statement income documentation for HELOC approval. Its Bank Statement HELOC uses 12 or 24 m
Angel Oak Mortgage Solutions offers a Bank Statement HELOC that qualifies self-employed borrowers on 12 or 24 months of bank statements instead of W-2s or tax returns. Lines reach $750,000 w
Better.com's Bank Statement HELOC lets self-employed borrowers verify income with 12 or 24 months of bank statements instead of tax returns, P&Ls, or W-2s. The trade-off is a mandatory initi
Deephaven Mortgage's Equity Advantage HELOC accepts 12 months of personal or business bank statements in place of tax returns for self-employed borrowers, with first- and second-lien options
Figure is a mixed fit for self-employed income documentation for HELOC approval. Two of the seven platforms in the ranking stage named Figure, and it finished with an average listed rank of
Griffin Funding is a good fit for self-employed homeowners who need a HELOC approved on bank-statement income rather than tax returns. It markets a bank statement HELOC using 12-24 months of
LBC Mortgage is a good but documentation- and quote-dependent fit for self-employed HELOC approval. Its No Tax Return HELOC advertises 12- or 24-month bank statements, P&L, DSCR, VOE-only, a
Lendmire markets bank-statement and stated-income HELOCs that qualify self-employed borrowers on 12-24 months of deposits, 1099s, or CPA-prepared P&L statements instead of tax returns.
Spring EQ is a mixed fit for self-employed HELOC borrowers. Its documented path uses tax returns and transcripts, not bank statements, though borrowers self-employed five years or more may q
Truss Financial Group is a good fit for self-employed borrowers whose tax returns understate cash flow and who can document deposits through bank statements. Its Bank Statement HELOC uses 12
Chain Bridge Bank, N.A. is a mixed fit for a homeowner who needs a bridge loan to buy before selling. Two of seven platforms named it during the ranking stage, at an average listed rank of 5
CrossCountry Mortgage is a good but conditional fit for buying before selling. Its bridge loan offers a four-month interest-only term, up to 85% of current-home value, a 15% equity threshold
Flyhomes is a good, conditional fit for homeowners who need to buy before selling. Its Buy Before You Sell program unlocks equity, supports cash-like non-contingent offers, and can close in
HomeLight's Buy Before You Sell program combines a 0% interest equity unlock, a non-contingent purchase path, and a 120-day backup-offer guarantee. It suits homeowners with substantial equit
JVM Lending suits buy-before-sell buyers through its EasyPath program, which uses an investor purchase guarantee to exclude the existing mortgage payment from DTI. It charges a flat $2,500 f
Kiavi is a weak fit for a homeowner who needs a bridge loan to buy a new primary residence before selling the current one. Two of seven platforms named Kiavi during the ranking stage, and al
Knock is a good fit for equity-rich homeowners who must close on a new home before the current one sells, if the property is in an eligible market and the sale is expected within about six m
LYNK Mortgage is a weak fit for buying a new home before selling the current one. It advertises 7-15 day closes and instant term sheets, but states it lends only for business purposes and do
Ribbon Home's Buy Before You Sell program is a non-contingent bridge loan with advertised 15-30 day closings, ownership from day one, and no prepayment penalty. The main limitation is disclo
Rocket Mortgage is a mixed-to-good fit for buying before selling. Its bridge loan lets qualifying buyers use current-home equity for a down payment and make non-contingent offers, but Rocket
Better is a good fit for a well-qualified buyer who needs rapid digital underwriting to strengthen a competitive offer. Its One Day Mortgage can produce an underwriting determination within
