Best HELOC Lenders for Self-Employed Borrowers (2026)

The research in brief

Truss Financial Group is the consensus leader for self-employed HELOC income documentation, named by 5 of 7 platforms (71.4%) at an average listed position of 2.4 and a best position of 1. Griffin Funding and Deephaven Mortgage tie at 3.8 average, with Griffin Funding reaching best position 1 and Deephaven best position 2. Angel Oak Mortgage Solutions has the strongest average listed position of any entity (2.25) but was named by only 4 platforms. The strongest alternatives for distinct buyer needs are Angel Oak for a true revolving bank-statement HELOC with published program terms, Deephaven for wholesale-channel access with 12-month bank-statement qualification, and Better.com for a fully digital, AI-underwritten bank-statement HELOC. Seven platforms were studied: OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, and Google. The principal limitation is that company-owned citations materially outnumber independent citations, so most product claims are company-reported rather than independently verified.

Research Snapshot

• Topic: Best HELOC lenders for self-employed income documentation for HELOC approval
• Target buyer: A self-employed homeowner or small business owner whose income does not fit standard W-2 documentation requirements for a home equity line
• Geography: United States
• Platforms included (7): OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, Google
• Research date: 2026-09-29
• Unique entities named across platforms: 30
• Qualifying entities: 10
• Eligibility rule: Named by at least two platforms during ranking discovery
• Ranking unit: Home equity lender
• Research prompt: A single standardized prompt asking which providers would be recommended for a self-employed homeowner with strong equity but variable or complex income who needs bank-statement or alternative income documentation, reasonable approval timelines, and no excessive rate penalty for non-traditional income

Platform mentions count only ranking-discovery mentions. All seven platforms evaluated fit, but the mention count reflects only the platforms that named the entity during ranking discovery. Platform-reported research dates differ from the authoritative run date of 2026-09-29; DeepSeek reported 2026-01-15 for Truss Financial Group and Better.com, 2026-02-06 for Griffin Funding and Deephaven Mortgage, 2026-01-29 for Angel Oak Mortgage Solutions, 2026-06-11 for Lendmire and LBC Mortgage, 2026-06-01 for Spring EQ, and 2026-08-11 for Andes Mortgage. These are provenance metadata and do not independently prove freshness.

The Consensus Ranking

Questions explored

• What are the best HELOC lenders for self-employed borrowers who need bank statement income documentation in 2026?
• Which HELOC lender for self-employed income documentation was named by the most AI platforms?
• Which self-employed HELOC lenders have the strongest average listed position across platforms?

The table below is the authoritative ranking. It is ordered by platform mentions, then average listed position, then best listed position. Do not treat any single platform's ordering as the consensus.

Which lender fits your situation?

Questions explored

• Which HELOC lender should a self-employed borrower choose if they need a true revolving bank statement HELOC with published program terms?
• Is a broker-based HELOC lender or a direct lender better for a self-employed borrower with complex income?
• Which HELOC lender for self-employed income documentation has the lowest published cost, and what fees apply?

The ranking table answers "who was named most often." It does not answer "who fits my file." The buyer-fit table below maps distinct versions of the self-employed income-documentation need to the ranked entities whose evidence bundles support that version.

1. Truss Financial Group

Questions explored

• Is Truss Financial Group worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• Does Truss Financial Group require tax returns for its no-tax-return HELOC, and how many months of bank statements are needed?
• Is Truss Financial Group or Griffin Funding better for a self-employed borrower who wants to preserve an existing first mortgage?

Truss Financial Group is the consensus leader for self-employed income documentation, named by 5 of 7 platforms at an average listed position of 2.4 and a best position of 1. It markets a Bank Statement HELOC and a No-Tax-Return HELOC that use 12 to 24 months of personal or business bank statements instead of tax returns, and it operates as both a mortgage lender and a mortgage broker, which may give it access to multiple wholesale programs ^[131].

Why it ranked here. Truss was named by OpenAI, Anthropic, Google, Grok, Kimi, and Perplexity, and reached best position 1 on Anthropic and Google. Its average listed position of 2.4 is the second-strongest among the five-mention entities. The ranking reflects broad platform agreement that Truss directly targets the self-employed income-documentation gap, not that its pricing or underwriting is the most transparent.

Best suited for. Self-employed borrowers with substantial business or personal deposits but high tax deductions, borrowers seeking a HELOC without traditional 1040 tax-return documentation, and borrowers who need a broker to compare alternative-documentation programs across multiple lenders ^[131].

Main strengths for the use case. Truss advertises 12 or 24 months of personal or business bank statements as an alternative to tax returns, markets a No-Tax-Return HELOC that may avoid 1040s and IRS Form 4506-C in applicable programs, and states that qualifying income may be calculated from bank-statement deposits ^[131]. It advertises digital processing, soft-credit prequalification, and potentially faster funding, with some programs using automated valuation models instead of in-person appraisals ^[129]. It also advertises loan amounts of $50,000 to $500,000, up to 85% loan-to-value, and a credit score as low as 660 on one page, with a separate page citing some programs starting at 640 and access to as much as $3 million in equity ^[131].

Main limitations. Public materials do not establish the exact underwriting formula, allowable deposits, expense factor, seasoning rules, or treatment of transfers and irregular deposits ^[131]. Published loan limits and minimum-credit figures vary across pages ^[131]. No verified public APR, margin, fee schedule, or complete HELOC contract terms were found ^[131].

2. Griffin Funding

Questions explored

• Is Griffin Funding worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• Does Griffin Funding offer a fixed-rate HELOC with bank statement income verification?
• Is Griffin Funding or Deephaven Mortgage better for a self-employed borrower who needs a second-lien HELOC?

Griffin Funding is the second-ranked entity, named by 5 of 7 platforms at an average listed position of 3.8 and a best position of 1. It explicitly markets bank-statement HELOC qualification for self-employed borrowers and offers digital account-linking and online application features ^[71].

Why it ranked here. Griffin Funding was named by OpenAI, Anthropic, Google, Kimi, and Perplexity, and reached best position 1 on OpenAI. Its average listed position of 3.8 ties with Deephaven Mortgage, but Griffin Funding's best position of 1 breaks the tie in its favor. The ranking reflects platform agreement that Griffin Funding directly targets the self-employed documentation gap with a bank-statement HELOC product.

Best suited for. Self-employed borrowers whose tax returns understate qualifying income because of business deductions, borrowers able to provide at least 12 months of consistent personal or business bank deposits, and homeowners who want to preserve an existing first-mortgage rate through a second-lien HELOC ^[71].

Main strengths for the use case. Griffin Funding states that self-employed HELOC applicants may qualify using 12 months of personal or business bank-statement deposits instead of tax returns or pay stubs, and its broader bank-statement materials describe 12- to 24-month statement options ^[71]. It advertises pre-approval within 48 hours for its traditional variable-rate HELOC and funding in as few as five business days for certain digital or fixed-rate HELOC products ^[71]. It states a minimum 640 FICO for a primary residence, 680 for second homes and investment properties, consideration of DTI ratios up to 50%, and required retained equity after funding ^[71]. It also offers a fixed-rate HELOC option, though alternative documentation is not available on that program ^[71].

Main limitations. The lender's public pages do not provide a complete bank-statement HELOC underwriting matrix ^[71]. The exact deposit period, expense factor, treatment of transfers, business-account deposits, and add-backs are unclear ^[71]. No verified public rate premium or discount is provided for self-employed or bank-statement borrowers ^[71]. Published product pages contain multiple HELOC structures with different draw mechanics; the advertised fixed-rate digital product may not operate like a conventional revolving HELOC ^[71].

3. Deephaven Mortgage

Questions explored

• Is Deephaven Mortgage worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• Does Deephaven Mortgage offer a true revolving HELOC or a fixed-rate fully disbursed product?
• Can a self-employed borrower apply directly to Deephaven Mortgage, or must they use a broker?

Deephaven Mortgage is the third-ranked entity, named by 5 of 7 platforms at an average listed position of 3.8 and a best position of 2. Its Equity Advantage HELOC supports 12-month personal or business bank-statement qualification, but the product operates through wholesale and correspondent channels rather than direct consumer lending ^[104].

Why it ranked here. Deephaven was named by Anthropic, Google, Grok, Kimi, and Perplexity, and reached best position 2 on Google. Its average listed position of 3.8 ties with Griffin Funding, but Deephaven's best position of 2 places it third. The ranking reflects platform agreement that Deephaven's Equity Advantage HELOC directly addresses the self-employed documentation gap, tempered by uncertainty about whether the product functions as a conventional revolving HELOC.

Best suited for. Self-employed borrowers with strong documented cash flow but low taxable income after business deductions, borrowers seeking a first- or second-lien equity product while preserving an existing low-rate first mortgage, and free-and-clear homeowners needing a first-lien HELOC ^[104].

Main strengths for the use case. The Equity Advantage HELOC permits full documentation, bank statements, and assets for income verification, and company materials and an independent trade report identify 12 months of personal or business bank statements as an alternative to tax returns for self-employed borrowers ^[104]. The official product page describes a standalone HELOC available in first- and second-lien positions, with loan amounts of $25,000 to $400,000, a 50% DTI limit, up to 85% CLTV for primary residences and 70% for second homes, and 5-, 10-, 15-, or 30-year fixed terms ^[104]. The published matrix states that prepayment penalties are not allowed ^[56]. Company materials advertise electronic account linking, a Quick Pricer for scenarios, and a digital HELOC process ^[197].

Main limitations. The official product page describes the line as fixed-rate, fully disbursed at funding, and having a set term, which may not function like a conventional open-draw HELOC ^[104]. Rates and pricing adjustments for bank-statement income are not publicly transparent ^[104]. Public maximum loan amount and eligibility details conflict across sources: the official product page states $25,000 to $400,000, while a May 2026 trade report describes a later expansion to a $1 million maximum and a $50,000 minimum ^[104].

4. Angel Oak Mortgage Solutions

Questions explored

• Is Angel Oak Mortgage Solutions worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• What is the minimum initial draw on the Angel Oak Bank Statement HELOC, and can a borrower draw less than $100,000?
• Is Angel Oak Mortgage Solutions or Truss Financial Group better for a self-employed borrower who needs a true revolving HELOC?

Angel Oak Mortgage Solutions is the fourth-ranked entity, named by 4 of 7 platforms at an average listed position of 2.25 — the strongest average listed position of any entity in the ranking — and a best position of 2. Its Bank Statement HELOC is explicitly designed for self-employed borrowers and qualifies income using trailing 12- or 24-month personal or business bank statements ^[279].

Why it ranked here. Angel Oak was named by Anthropic, Google, Grok, and Perplexity, and reached best position 2 on Anthropic, Grok, and Perplexity. Its average listed position of 2.25 is the strongest in the ranking, but it was named by only 4 platforms, which places it fourth under the ranking rule that prioritizes platform mentions. The ranking reflects strong platform agreement among the platforms that named it, tempered by lower mention breadth.

Best suited for. Self-employed borrowers qualifying with business or personal bank statements rather than standard W-2 documentation, borrowers who want to retain their existing first mortgage while accessing home equity, and borrowers needing a revolving HELOC and able to draw at least $100,000 and 80% of the approved line at closing ^[26].

Main strengths for the use case. The Bank Statement HELOC is specifically marketed for self-employed borrowers and permits qualification using personal or business bank statements, with a full-documentation option also listed ^[26]. Published limits are up to $750,000 using business bank statements and up to $500,000 using personal bank statements ^[26]. The product is a revolving HELOC that can preserve the borrower's existing first mortgage, with interest-only payments available during the draw period and listed 15-year and 20-year structures ^[26]. Angel Oak has 10+ years of non-QM origination experience and originated over $18.6 billion in non-QM loans since inception ^[279]. It completed a HELOC securitization in 2025 with strong investor demand ^[18].

Main limitations. The borrower must draw at least 80% of the approved amount at closing, with a minimum draw of $100,000 ^[26].

5. Lendmire

Questions explored

• Is Lendmire worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• In which states can a self-employed borrower get a Lendmire bank statement HELOC, and can an LLC-titled property qualify?
• Is Lendmire a direct lender or a broker for self-employed HELOC income documentation?

Lendmire is the fifth-ranked entity, named by 4 of 7 platforms at an average listed position of 5.75 and a best position of 3. It operates as a mortgage broker arranging bank statement and alternative-documentation HELOCs through a wholesale lender network across 16 states ^[172].

Why it ranked here. Lendmire was named by Anthropic, Grok, Kimi, and Perplexity, and reached best position 3 on Anthropic. Its average listed position of 5.75 is the weakest among the four-mention entities, reflecting platform uncertainty about whether Lendmire is a direct lender, broker, or network arranger, and about its pricing and underwriting terms.

Best suited for. Self-employed primary-residence owners with consistent personal or business deposits, borrowers seeking a second-lien HELOC without refinancing an existing first mortgage, and applicants willing to use alternative documentation and accept lender-specific underwriting and variable-rate terms ^[172].

Main strengths for the use case. Lendmire arranges bank statement HELOCs that qualify borrowers using 12–24 months of bank deposits instead of traditional tax returns ^[172]. It offers alternative-documentation HELOCs using bank statements, 1099s, or CPA-prepared profit-and-loss statements in place of two years of traditional personal-income documents ^[187]. DTI is calculated against the interest-only draw payment, not the fully amortized payment, a structural advantage for self-employed borrowers ^[182]. Primary residences can reach 90% CLTV with 720+ credit ^[173]. Lendmire is a mortgage brokerage (NMLS# 2371349) ^[173].

Main limitations. The HELOC program covers only 16 full-service states: Alabama, California, Colorado, Florida, Georgia, Indiana, Michigan, Montana, New Mexico, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Virginia, and Washington ^[196]. Properties must be titled to an individual borrower or revocable living trust; LLC, corporation, or partnership ownership disqualifies the file from the HELOC product ^[193]. Investment-property leverage caps at 70% CLTV with a $500,000 maximum line size ^[193]. At least 75% of the approved line is generally required to be drawn at closing ^[171]. Lines are variable-rate only with no fixed-rate conversion ^[177]. No publicly disclosed pricing, rates, or fee structures ^[184].

Pricing or cost summary. Lendmire does not publish specific interest rates, origination fees, or closing costs for bank statement HELOCs ^[184].

6. Better.com

Questions explored

• Is Better.com worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• What is the minimum initial draw on the Better.com Bank Statement HELOC, and can a borrower draw less than $50,000?
• Is Better.com or Figure better for a self-employed borrower who wants a fast digital HELOC with bank statement income verification?

Better.com is the sixth-ranked entity, named by 2 of 7 platforms at an average listed position of 1.0 — the strongest average listed position of any entity in the ranking — and a best position of 1. Its Bank Statement HELOC uses 12 or 24 months of personal and/or business bank statements instead of tax returns, P&Ls, or W-2s, with AI-driven underwriting ^[150].

Why it ranked here. Better.com was named by only Kimi and Perplexity, but both placed it at position 1, giving it the strongest average listed position in the ranking. Under the ranking rule that prioritizes platform mentions, its 2 mentions place it sixth despite the top average position. The ranking reflects strong agreement among the two platforms that named it, tempered by low mention breadth.

Best suited for. Self-employed borrowers with strong, consistent deposits documented in personal or business bank statements, borrowers needing a large HELOC and valuing a digital application and potentially rapid closing, and homeowners with primary, second, or investment properties who can satisfy Better's eligibility and state restrictions ^[34].

Main strengths for the use case. Better states that its Bank Statement HELOC uses bank-statement income verification rather than tax returns ^[40]. It advertises digital preapproval in minutes and closing in as little as three days when eligibility conditions are met, including acceptable automated valuation-model use, qualifying loan size, and prompt document upload ^[34]. It advertises HELOC amounts generally from $50,000 to $500,000 and access of up to 90% of property value, subject to borrower eligibility ^[34]. Anthropic reported a 620 minimum credit score and 50% maximum DTI, with no physical appraisal required for Bank Statement HELOC loans up to $400,000 ^[37]. Google reported zero lender fees and zero commissions charged directly by Better Mortgage ^[144].

Main limitations. Better requires the borrower to draw at least $50,000 or 75% of the credit limit, whichever is greater, at funding ^[34]. Better states that its HELOCs generally have variable rates based on the Prime Rate plus a lender margin and that it does not offer fixed-rate HELOCs ^[35].

7. Spring EQ

Questions explored

• Is Spring EQ worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• Does Spring EQ offer a bank statement HELOC or only tax-return-based underwriting for self-employed borrowers?
• What fees does Spring EQ charge on a HELOC, and is there a minimum initial draw?

Spring EQ is the seventh-ranked entity, named by 2 of 7 platforms at an average listed position of 4.0 and a best position of 1. Its published HELOC materials support self-employed borrowers, but the currently accessible underwriting matrix describes tax-return and tax-transcript documentation rather than a clearly confirmed bank-statement or asset-based HELOC path ^[43].

Why it ranked here. Spring EQ was named by DeepSeek and Grok, and reached best position 1 on Grok. Its average listed position of 4.0 places it seventh. The ranking reflects platform disagreement about whether Spring EQ offers a bank-statement HELOC at all: Grok placed it first, while DeepSeek placed it seventh.

Best suited for. Self-employed borrowers who can document income with personal and business tax returns and transcripts, borrowers seeking a revolving HELOC rather than a fixed home-equity loan, and borrowers with adequate equity, credit, and documented income who may benefit from a second-lien product ^[43].

Main strengths for the use case. Spring EQ's published underwriting matrix allows self-employed income, and its published HELOC structure is adjustable-rate and tied to the prime index, with a three-year initial draw period and a 20-year repayment period ^[43]. It markets funding in as little as 14 days, with an average of 21 business days ^[229]. It offers up to 90% LTV on primary residences and 80% on investment properties ^[93]. Minimum FICO is 640 for home equity loans and 680–700 for HELOCs, depending on LTV ^[295]. Google reported a streamlined process where borrowers self-employed for 5 years or more only need to provide the most recent 1 year of tax returns and transcripts, compared to the 2 years required for those self-employed less than 5 years ^[141].

Main limitations. The strongest publicly documented self-employed path relies on tax returns and tax transcripts, not clearly on bank statements ^[43]. A current official Spring EQ HELOC matrix reviewed does not clearly list a bank-statement income method for the HELOC ^[43]. A 2026 industry interview reported that Spring EQ planned to roll out a bank-statement program in early 2026, but public evidence reviewed does not confirm its current availability, eligibility rules, or whether it applies to HELOCs ^[286].

8. Figure

Questions explored

• Is Figure worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• Does Figure require the full approved line to be drawn at closing, and how does that affect a self-employed borrower?
• Is Figure or Better.com better for a self-employed borrower who wants a fast digital HELOC with linked-bank income verification?

Figure is the eighth-ranked entity, named by 2 of 7 platforms at an average listed position of 5.0 and a best position of 2. Public third-party information indicates Figure may analyze linked business-bank activity or deposits for some self-employed applicants, but Figure's public official materials reviewed do not clearly confirm a standard bank-statement HELOC program ^[215].

Why it ranked here. Figure was named by Anthropic and DeepSeek, and reached best position 2 on DeepSeek. Its average listed position of 5.0 places it eighth. The ranking reflects platform uncertainty about whether Figure offers a dedicated bank-statement HELOC program versus a general digital HELOC that may accept linked-bank data.

Best suited for. Self-employed borrowers with stable income, strong credit, substantial equity, and clean linked-bank records, borrowers who value online approval, automated valuation, and potentially fast funding, and borrowers who prefer a fixed-rate or variable-rate Figure structure and can tolerate an origination fee ^[162].

Main strengths for the use case. Figure advertises an online application, approval in minutes, and funding in as few as five days ^[162]. It states that no in-person appraisal is required in many cases and may use automated valuation models ^[162]. It offers fixed-rate and variable-rate HELOC options ^[162]. Figure advertises HELOC amounts from $15,000 to $750,000 ^[162]. Figure's public investor filing describes consistent underwriting criteria including a minimum FICO score of 600, maximum combined loan-to-value of 90%, and maximum debt-to-income ratio of 50% ^[79]. Google reported that Figure utilizes Plaid integration to verify income by analyzing direct deposit history and account activity instantly, allowing self-employed borrowers to qualify using real-time bank deposit data rather than traditional tax returns ^[154].

Main limitations. Figure does not publicly specify a guaranteed bank-statement-only qualification path for self-employed borrowers ^[162]. The required documentation, income-calculation methodology, treatment of business expenses and transfers, and minimum self-employment history are unclear ^[162]. No public Figure source reviewed states whether asset depletion is available ^[162]. Origination fees can be materially higher than those charged by some traditional banks or credit unions ^[162].

9. Andes Mortgage

Questions explored

• Is Andes Mortgage worth it for a self-employed borrower who needs a bank statement HELOC, and what are its main drawbacks?
• In which states can a self-employed borrower get an Andes Mortgage bank statement HELOC?
• What expense ratio does Andes Mortgage apply to business bank statement deposits for HELOC qualification?

Andes Mortgage is the ninth-ranked entity, named by 2 of 7 platforms at an average listed position of 5.5 and a best position of 4. It advertises a Bank Statement HELOC that uses 12 or 24 months of personal or business bank statements instead of tax returns, W-2s, or pay stubs, but it acts as a broker and does not identify the specific lending partner before application ^[3].

Why it ranked here. Andes Mortgage was named by Kimi and OpenAI, and reached best position 4 on OpenAI. Its average listed position of 5.5 places it ninth. The ranking reflects platform uncertainty about whether Andes Mortgage offers a verifiable Bank Statement HELOC product, with DeepSeek reporting that the product could not be confirmed on the official site or in independent sources ^[2].

Best suited for. Self-employed homeowners, freelancers, contractors, 1099 earners, and business owners with strong documented deposits but weak tax-return income, borrowers seeking a second-lien HELOC while retaining the rate and terms of an existing first mortgage, and borrowers with at least approximately two years of business history, a credit score around 680 or higher, and sufficient equity ^[3].

Main strengths for the use case. The advertised Bank Statement HELOC uses 12 or 24 months of personal or business bank statements instead of relying on tax returns, W-2s, or pay stubs, and Andes states that tax returns are not required for this program, subject to lender and file-specific conditions ^[3]. The company publishes indicative requirements of approximately 680+ credit score, up to 80% CLTV on a primary residence and up to 85% for select programs, maximum 50% debt-to-income ratio, and a line limit up to $1 million ^[3]. It describes a default expense ratio of approximately 50%, with a possible approximately 10% ratio when supported by a CPA letter ^[3]. The product is positioned as a second mortgage, allowing the borrower to keep the existing first-mortgage rate and terms ^[3]. Google reported that personal bank statement deposits are calculated at a flat 50% expense factor, while business deposits can be counted at a lower expense factor (as low as 10% with a supporting CPA letter or P&L statement) ^[2]. .

10. LBC Mortgage

Questions explored

• Is LBC Mortgage worth it for a self-employed borrower who needs a no-tax-return HELOC, and what are its main drawbacks?
• Does LBC Mortgage accept P&L statements for HELOCs or only for home equity loans?
• Is LBC Mortgage a direct lender or a broker for self-employed HELOC income documentation?

LBC Mortgage is the tenth-ranked entity, named by 2 of 7 platforms at an average listed position of 5.5 and a best position of 5. It advertises no-tax-return HELOC options that may use bank statements, P&L statements, DSCR, available assets, or other alternative documentation instead of relying solely on tax returns ^[84].

Why it ranked here. LBC Mortgage was named by Anthropic and Google, and reached best position 5 on Anthropic. Its average listed position of 5.5 ties with Andes Mortgage, but LBC's best position of 5 places it tenth. The ranking reflects platform uncertainty about LBC's pricing, eligibility, and whether P&L documentation is available for HELOCs specifically.

Best suited for. Business owners or freelancers with substantial personal or business-bank deposits but low taxable income because of deductions, borrowers seeking a first- or second-lien HELOC and willing to compare non-QM or alternative-documentation lender options, and borrowers who need a broker to shop multiple lenders rather than applying to one direct lender ^[84].

Main strengths for the use case. LBC advertises no-tax-return HELOC options that may use bank statements, P&L statements, DSCR, available assets, or other alternative documentation instead of relying solely on tax returns ^[84]. LBC's HELOC materials identify 12- or 24-month bank statements as an available qualification method ^[84]. LBC's HELOC materials advertise owner-occupied residences, second homes, and investment properties; first- and second-lien positions; loan amounts up to $750,000; and interest-only payments during the draw period ^[91]. LBC describes access to more than 100 lenders ^[81]. Anthropic reported that LBC Mortgage accepts DTI ratios up to 50%, significantly higher than traditional equity lenders ^[222]. Google reported that for primary residences, LBC Mortgage's program can accept combined loan-to-value ratios as high as 90% and debt-to-income ratios up to 50%, with a minimum credit score requirement of 640 ^[272].

Main limitations. No reliable public APR, margin, rate-cap, annual-fee, origination-fee, or lender-specific pricing schedule was found for the recommended no-tax-return HELOC ^[84]. No verified approval or funding-time guarantee ^[84]. Eligibility, required deposits, expense adjustments, reserves, CLTV, credit score, and debt-to-income limits are not fully disclosed by LBC ^[84].

What this study reveals

Questions explored

• What does the cross-platform AI study reveal about how HELOC lenders for self-employed borrowers are positioned?
• Which self-employed HELOC lenders are named most consistently across AI platforms, and which are named only by a few?

The cross-platform study reveals a market split into three tiers. The first tier — Truss Financial Group, Griffin Funding, and Deephaven Mortgage — was named by 5 of 7 platforms each, indicating broad platform agreement that these entities directly address the self-employed income-documentation gap. The second tier — Angel Oak Mortgage Solutions and Lendmire — was named by 4 platforms each, with Angel Oak holding the strongest average listed position in the entire ranking (2.25). The third tier — Better.com, Spring EQ, Figure, Andes Mortgage, and LBC Mortgage — was named by only 2 platforms each, but includes the entity with the strongest average listed position (Better.com at 1.0) and the entity with the weakest (Lendmire at 5.75).

The study also reveals that the market is not a single product category. At least four distinct product structures appear in the evidence: a true revolving bank-statement HELOC (Angel Oak, Lendmire, Andes Mortgage), a broker-mediated alternative-documentation HELOC (Truss Financial Group, LBC Mortgage), a wholesale-channel bank-statement HELOC (Deephaven Mortgage), and a digital AI-underwritten bank-statement HELOC (Better.com, Figure).

Where the AI Platforms Agreed

Questions explored

• On which HELOC lenders for self-employed income documentation did all or most AI platforms agree?
• Which self-employed HELOC features did the AI platforms consistently describe across entities?

The platforms agreed on several material points.

Bank-statement documentation is the core mechanism. Every platform that named Truss Financial Group, Griffin Funding, Deephaven Mortgage, Angel Oak Mortgage Solutions, Lendmire, Better.com, Andes Mortgage, or LBC Mortgage described bank-statement or alternative-documentation underwriting as the primary qualification method for self-employed borrowers. The specific statement periods ranged from 3 months to 24 months, but the mechanism was consistent.

Rate premiums are expected. Multiple platforms reported that alternative-documentation HELOCs carry higher rates than fully documented HELOCs. Anthropic reported a +0.25% to +0.75% premium for bank statement programs and +0.50% to +2.00% for no-doc options ^[120]. Google reported a 0.5% to 2% premium above traditional prime HELOC rates ^[112]. Kimi reported a +0.25% to +0.75% premium for bank statement HELOCs ^[120]. The exact premium varies by entity and borrower profile, but the direction is consistent.

Pricing transparency is low. Every platform that assessed pricing reported that the entity does not publish a complete, borrower-specific rate and fee schedule for its self-employed or bank-statement HELOC.

Where the AI Platforms Disagreed

Questions explored

• Where did the AI platforms disagree about the best HELOC lenders for self-employed borrowers?
• Which self-employed HELOC lenders had conflicting fit ratings across AI platforms?

The platforms disagreed on several material points.

Whether certain entities offer a bank-statement HELOC at all. DeepSeek reported that no verified HELOC or bank-statement HELOC product was found for Deephaven Mortgage on the official site or in independent sources ^[44]. DeepSeek and Kimi both reported that no verifiable public evidence confirms a dedicated Bank Statement HELOC product for Better.com ^[30]. DeepSeek reported that the recommended Bank Statement HELOC product for Andes Mortgage could not be verified on the official site or in independent sources ^[2]. Kimi reported that Lendmire's public website and third-party coverage provide no verifiable information about bank statement HELOCs ^[167]. These disagreements are material because they affect whether the entity should be on a buyer's shortlist at all.

Whether Spring EQ offers a bank-statement HELOC. Grok placed Spring EQ at position 1, while DeepSeek placed it at position 7. Grok reported that Spring EQ's underwriting guide requires tax returns and transcripts for self-employed borrowers, with bank statements noted only for asset verification ^[94].

How to compare your options

Questions explored

• What should a self-employed borrower check before choosing a HELOC lender for bank statement income documentation?
• Which HELOC lender for self-employed income documentation should a borrower choose if they need a true revolving line with no mandatory initial draw?
• How should a self-employed borrower compare a broker-based HELOC lender against a direct lender?

A self-employed borrower choosing among these options should work through five decisions in order.

First, confirm the product structure. A true revolving HELOC allows the borrower to draw funds as needed and pay interest only on the drawn amount. A fixed-rate, fully disbursed product requires the borrower to take the full approved amount at closing and pay interest on the entire balance from day one. Deephaven's official product page describes the line as fixed-rate, fully disbursed at funding, and having a set term ^[104]. Figure's FAQ states that the fixed-rate Home Equity Line is open-end but that the full loan amount, less the origination fee, is drawn at origination ^[158]. Better.com requires the borrower to draw at least $50,000 or 75% of the credit limit, whichever is greater, at funding ^[34].

Methodology

This index was produced from a single standardized research prompt sent once to each of seven AI platforms: OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, and Google. The prompt asked which providers would be recommended for a self-employed homeowner with strong equity but variable or complex income who needs bank statement or alternative income documentation, with reasonable approval timelines and no excessive rate penalty for non-traditional income.

The research date is 2026-09-29. Platform-reported research dates differ from the authoritative run date and are provenance metadata only; they do not independently prove freshness.

The ranking rule is: platform mentions first, then average listed position, then best listed position. Platform mentions count only ranking-discovery mentions. All seven platforms evaluated fit, but the mention count reflects only the platforms that named the entity during ranking discovery.

Entities qualified for the ranking if they were named by at least two platforms. Thirty unique entities were named across platforms; ten qualified.

The final ranking table is the sole authority for rank, platform mentions, platform share, average rank, and best rank. Entity evidence bundles are the authority for buyer fit, features, pricing, strengths, limitations, disagreements, and citations. Citations are platform-reported evidence, not independently verified facts. The supplied URLs were collected from platform responses and were not independently validated by the writer stage.

Research limitations

This study has several material limitations.

Single prompt, single run. The study used one standardized prompt sent once to each included platform. AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved. A different prompt or a different run date could produce a different ranking.

Platform recommendations are market intelligence, not customer reviews. The ranking reflects what AI platforms said, not independent proof of product quality, approval rates, or customer satisfaction.

Company-owned citations materially outnumber independent citations. The evidence audit reports that company-owned citations materially outnumber independent citations across the ranking. Most product claims are company-reported rather than independently verified. Do not describe company claims as independently verified.

Platform-reported research dates differ from the authoritative run date. DeepSeek reported 2026-01-15 for Truss Financial Group and Better.com, 2026-02-06 for Griffin Funding and Deephaven Mortgage, 2026-01-29 for Angel Oak Mortgage Solutions, 2026-06-11 for Lendmire and LBC Mortgage, 2026-06-01 for Spring EQ, and 2026-08-11 for Andes Mortgage. These are provenance metadata and do not independently prove freshness.

Conflicting product names, pricing, and capabilities were not resolved by guessing. Where platforms disagreed, the conflict is described and the buyer is told what to verify. .

The consensus assessment

Truss Financial Group is the consensus leader for self-employed HELOC income documentation, named by 5 of 7 platforms at an average listed position of 2.4. It directly targets the self-employed documentation gap with bank-statement and no-tax-return HELOC programs, and it operates as both a lender and a broker, which may give it access to multiple wholesale programs. Its principal weaknesses are pricing opacity, conflicting published loan limits and credit minimums, and limited independent evidence about approval outcomes.

Griffin Funding and Deephaven Mortgage tie at 3.8 average listed position, with Griffin Funding reaching best position 1 and Deephaven best position 2. Griffin Funding explicitly markets bank-statement HELOC qualification and offers a fixed-rate HELOC option, though alternative documentation is not available on that program. Deephaven's Equity Advantage HELOC supports 12-month bank-statement qualification but operates through wholesale and correspondent channels, and its official product page describes a fixed-rate, fully disbursed structure that may not function like a conventional revolving HELOC.

Angel Oak Mortgage Solutions has the strongest average listed position of any entity (2.25) and a purpose-built Bank Statement HELOC with published program terms, but its minimum initial draw of $100,000 and 80% of the approved line at closing, plus its Texas exclusion, narrow its fit.

Frequently Asked Questions

What is a bank statement HELOC? A bank statement HELOC is a home equity line of credit that qualifies the borrower using personal or business bank statement deposits instead of tax returns or W-2s. It is designed for self-employed borrowers whose tax returns understate qualifying income because of business deductions. Truss Financial Group, Griffin Funding, Deephaven Mortgage, Angel Oak Mortgage Solutions, Lendmire, Better.com, Andes Mortgage, and LBC Mortgage all market some form of bank-statement or alternative-documentation HELOC.

How many months of bank statements are required? The required period varies by entity and program. Truss Financial Group advertises 12 or 24 months of personal or business bank statements, with some pages citing 3 months ^[131]. Griffin Funding states 12 months of personal or business bank-statement deposits, with broader materials describing 12- to 24-month options ^[71]. Deephaven Mortgage identifies 12 months of personal or business bank statements ^[104]. Angel Oak Mortgage Solutions uses trailing 12- or 24-month bank statements ^[279]. Lendmire describes 12 to 24 months of deposit history ^[172]. Better.com uses 12 or 24 months of personal and/or business bank statements ^[150]. Andes Mortgage uses 12 or 24 months of personal or business bank statements ^[3].

Sources used in this study

Company-Owned Sources

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144. IMPORTANT TERMS OF YOUR HOME EQUITY LINE OF CREDIT: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHK83bT9zvxm4R06hC8VaiOVDb4vrPmnM622WPg1SNCXiGnX1vN37KpBqvHJ8DIhYwQT95j8UhsZaew1XWJU1xAeBkY2FIQaHG-a0eGZ4UcgSTjlyTOUFN8SNIrVkVC6UmSW-pk5unM6K_8lKULyiBbUg==
145. Lendmire HELOC Self-Employed and DSCR Guidelines: https://vertexaisearch.cloud.google.com/grounding-api-redirect/AUZIYQHOjNznsPV2z3jED7KtlLjsnnEZD-zLt5MWjThfZ5xzF7Nc_WRJwAl65saUFmHTFwzB0gAHkIs1nrO4Yna6uw_gyFj2NKwooEKGVqHHpLNfsR3TS-Yphh8BaUjQHi00FlZbOXjRTw3vZjsX1KUOqHLabA==
146. WHOLESALE FEES BREAKDOWN: https://wholesale.springeq.com/hubfs/Wholesale%20File%20Transfer/2022_website_rates_fees_guidelines_matrices/ActiveFeesBreakdown_current.pdf
147. Spring EQ Wholesale: https://wholesale.springeq.com/ratesfeesguides
148. Angel Oak Mortgage Solutions — Company Information: https://www.angeloakms.com/
149. Better Launches Home Equity Loans: Offers Flexible Solutions to Homeowners: https://www.businesswire.com/news/home/20240423006982/en/
150. Better.com's AI-Driven HELOC Underwriting Makes Approval with 'Bank Statements Only' Possible for 36.2M Self-Employed or Small Business Owner Americans: https://www.businesswire.com/news/home/20250930300471/en/
151. What Is a No Doc HELOC?: https://www.chase.com/personal/mortgage/education/managing-your-mortgage/no-doc-heloc-guide
152. Official pricing and terms source: https://www.figure.com/
153. Get a Home Equity Line of Credit (Even With Low Income) - Figure: https://www.figure.com/blog/get-a-home-equity-line-of-credit-even-with-low-income/
154. What is Plaid and is it safe to use? A complete guide - Figure: https://www.figure.com/blog/what-is-plaid-and-is-it-safe-to-use-a-complete-guide/
155. Figure HELOC vs. Fifth Third Bank: Which is Better?: https://www.figure.com/comparison/figure-vs-fifth-third-bank/
156. Disclosures - Figure Lending: https://www.figure.com/disclosures/
157. Figure HELOC FAQ: https://www.figure.com/faq/
158. Frequently Asked Questions: https://www.figure.com/faqs/
159. Business HELOC: What It Is, How It Works, & Pros & Cons - Figure: https://www.figure.com/heloc/business-heloc/
160. Your Home Equity Line of Credit Guide: https://www.figure.com/home-equity-line-of-credit-guide/
161. Figure HELOC: https://www.figure.com/home-equity-line-of-credit/
162. Home Equity Line of Credit (HELOC) - Apply Online in Minutes: https://www.figure.com/home-equity-line/
163. End-to-end lending solution for mortgage lenders, brokers, & servicers: https://www.figure.com/partner-heloc/mortgage-lenders-brokers-and-servicers/
164. See today's HELOC rates - Figure: https://www.figure.com/search/heloc-rates/
165. Figure Servicing Fee Schedule: https://www.figure.com/servicing-fee-schedule-heloc-heloan-mortgage-refinance.pdf
166. Figure HELOC uses: https://www.figure.com/uses/
167. Lendmire official website: https://www.lendmire.com/
168. Applying For HELOC With No Tax Returns: https://www.lendmire.com/applying-for-heloc-with-no-tax-returns/
169. Bank Statement HELOC: Income Qualification | Lendmire: https://www.lendmire.com/bank-statement-heloc-lenders/
170. Bank Statement HELOC Program: https://www.lendmire.com/bank-statement-heloc-program/
171. Bank Statement HELOC Wholesale: https://www.lendmire.com/bank-statement-heloc-wholesale/
172. Bank Statement HELOC for Self-Employed | Lendmire: https://www.lendmire.com/bank-statement-heloc/
173. Best Bank Statement HELOC Lenders: https://www.lendmire.com/best-bank-statement-heloc-lenders/
174. Best Bank Statement HELOC: https://www.lendmire.com/best-bank-statement-heloc/
175. Best HELOC Program No Income Verification: https://www.lendmire.com/best-heloc-program-no-income-verification/
176. Difference Between Stated Income And Asset-based ...: https://www.lendmire.com/difference-between-stated-income-and-asset-based-helocs/
177. Documents Needed For A Bank Statement HELOC Application: https://www.lendmire.com/documents-needed-for-a-bank-statement-heloc-application/
178. HELOC For Self Employed People: https://www.lendmire.com/heloc-for-self-employed-people/
179. Frequently Asked Questions: https://www.lendmire.com/heloc-for-the-self-employed/
180. HELOC Loans Without Tax Returns: https://www.lendmire.com/heloc-loans-without-tax-returns/
181. HELOC Self Employed: https://www.lendmire.com/heloc-self-employed/
182. Home Equity Line for Rental Property | Lendmire: https://www.lendmire.com/home-equity-line-of-credit-for-rental-property/
183. Home Equity Loan Self Employed Docs - Lendmire: https://www.lendmire.com/home-equity-loan-self-employed/
184. Home Equity On Investment Property: https://www.lendmire.com/home-equity-on-investment-property/
185. How Do Financial Institutions Verify Income For Stated ...: https://www.lendmire.com/how-do-financial-institutions-verify-income-for-stated-income-helocs/
186. Lenders Offering HELOCs For Self-employed With Bank Statements: https://www.lendmire.com/lenders-offering-helocs-for-self-employed-with-bank-statements/
187. Lenders Who Do HELOCs When You Are Self Employed: https://www.lendmire.com/lenders-who-do-helocs-when-you-are-self-employed/
188. No Income Verification HELOC - Lendmire: https://www.lendmire.com/no-income-verification-heloc/
189. Heloc Or DSCR Cash-Out...: https://www.lendmire.com/requirements-for-a-stated-income-heloc/
190. Self-Employed Home Equity Line of Credit | Lendmire: https://www.lendmire.com/self-employed-home-equity-line-of-credit/
191. Self Employed Home Equity Loan Guide: https://www.lendmire.com/self-employed-home-equity-loan/
192. Stated Income HELOC For Self Employed: https://www.lendmire.com/stated-income-heloc-for-self-employed/
193. Stated Income Self Employed HELOC: https://www.lendmire.com/stated-income-self-employed-heloc/
194. Official pricing and terms source: https://www.lendmire.com/terms-and-conditions/
195. What Documentation Do Self-employed Applicants Need For A ...: https://www.lendmire.com/what-documentation-do-self-employed-applicants-need-for-a-heloc/
196. Where To Find HELOC Providers Accepting Alternative Income Proof: https://www.lendmire.com/where-to-find-heloc-providers-accepting-alternative-income-proof/
197. Deephaven Mortgage Upgrades Digital HELOC Platform: https://www.linkedin.com/posts/deephavenmortgage_deephaven-mortgage-has-made-some-significant-activity-7440433651269517314-4-5p
198. Better.com's AI-Driven HELOC Underwriting Makes Approval with Bank Statements Only Possible for 36.2M Self-Employed or Small Business Owner Americans: https://www.nasdaq.com/press-release/bettercoms-ai-driven-heloc-underwriting-makes-approval-bank-statements-only-possible
199. Self-employed home equity loan: https://www.rocketmortgage.com/learn/home-equity-loan-self-employed
200. Spring EQ Official Website: https://www.springeq.com/
201. As Home Equity Continues to Evolve, Spring EQ Is Doing the Same | Spring EQ: https://www.springeq.com/blog/as-home-equity-continues-to-evolve-spring-eq-is-doing-the-same
202. Fixed-Rate HELOC - Spring EQ: https://www.springeq.com/fixed-rate-heloc
203. Home Equity Loan - Spring EQ: https://www.springeq.com/home-equity-loan
204. Mortgage: https://www.springeq.com/purchase
205. Official pricing and terms source: https://www.springeq.com/terms-of-use
206. Loan Options: https://www.springeq.com/variable-rate-heloc
207. Denied for a HELOC? Try This Bank Statement HELOC Strategy: https://www.youtube.com/watch?v=LMBqBZZkyi8
208. Denied for a HELOC? Try This Bank Statement HELOC Strategy: https://www.youtube.com/watch?v=raRfReJRepk

Independent Sources

209. Andes Mortgage - Company Information (Wheree): https://andes-mortgage-llc.wheree.com/
210. best bank statement loan for a second mortgage: https://benzinga.com/money/best-bank-statement-loan-for-a-second-mortgage
211. Truss Financial Group Reviews | Read Customer Service Reviews of trussfinancialgroup.com | 7 of 7: https://ca.trustpilot.com/review/trussfinancialgroup.com?page=7
212. Figure HELOC Review 2026: Rates, Fees & Draw Rules: https://equitysquirrel.com/figure-heloc-review/
213. Truss Financial Group Launches No Tax Return HELOC Option For Self-Employed Borrowers: https://finance.yahoo.com/news/truss-financial-group-launches-no-224100548.html
214. The new Better.com Bank Statement HELOC helps self-employed workers tap into their home equity: https://finance.yahoo.com/personal-finance/mortgages/article/better-mortgage-launches-bank-statement-heloc-120041112.html
215. Self-Employed HELOC: Bank Statements, Linked Accounts, and Program Comparison: https://heloc-shopper.com/heloc-guides/self-employed/
216. Griffin Funding DSCR Review 2026: Rates as Low as 6.5% + California Expertise: https://honestcasa.com/blog/griffin-funding-dscr-review
217. Home Equity Line of Credit for the Self-Employed - LegalClarity: https://legalclarity.org/how-to-get-a-home-equity-line-of-credit-when-self-employed/
218. Griffin Funding No-Doc HELOC Review on LendEDU: https://lendedu.com
219. HELOC Loans for Self-Employed Borrowers: Everything to Know to Qualify: https://lendedu.com/blog/best-home-equity-loans-helocs-for-self-employed/
220. Griffin Funding Review: No-Doc HELOC Features and Requirements | LendEDU: https://lendedu.com/blog/griffin-funding/
221. HELOC Loans for Self-Employed Borrowers: Everything to Know to Qualify - LendEDU: https://lendedu.com/blog/heloc-loans-for-self-employed-borrowers/
222. LBC Mortgage Review: No Tax Return HELOC & Flexible Home Equity Solutions: https://lendedu.com/blog/lbc-mortgage-review/
223. Top No-Doc HELOC Lenders and Equity Options for Easier Approvals in 2026: https://lendedu.com/blog/no-doc-heloc/
224. LBC Mortgage HELOC Review: https://lendedu.com/blog/no-doc-heloc/#lbc-mortgage
225. Spring EQ Home Equity Reviews: What to Know About Its Home Equity Loan and HELOC in 2026: https://lendedu.com/blog/spring-eq-home-equity-review/
226. Truss Financial Group Review: No Tax Return HELOC for Entrepreneurs: https://lendedu.com/blog/truss-financial-group-review/
227. BETR Expands Access to HELOCs: AI Bank Statement Program Unlocks...: https://marketchameleon.com/articles/b/2025/9/30/betr-ai-bank-statement-heloc-self-employed-credit
228. Spring EQ HELOC Review | Money: https://money.com/spring-eq-heloc-review/
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230. Angel Oak Mortgage launches new bank statement HELOC product and hires six new account executives: https://mortgageorb.com/angel-oak-launches-new-bank-statement-heloc-product-and-hires-new-six-new-aes
231. Deephaven Mortgage profile (National Mortgage Professional): https://nationalmortgageprofessional.com/company/deephaven-mortgage
232. Angel Oak Mortgage Solutions | NMP: https://nationalmortgageprofessional.com/directories/angel-oak-mortgage-solutions
233. Deephaven Pushes HELOC Limits To $1M As Equity Market Surges: https://nationalmortgageprofessional.com/news/deephaven-pushes-heloc-limits-1m-equity-market-surges
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235. Andes Mortgage - Customer Reviews (Birdeye): https://reviews.birdeye.com/andes-mortgage-llc-168368587701366
236. Bank Statement HELOC Rate Impacts: https://themortgagereports.com/126395/heloc-approval-for-self-employed
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244. Current HELOC Rates In September 2026 - Home equity: https://www.bankrate.com/home-equity/heloc-rates/
245. Home Equity Lenders Launch New Products: https://www.bankrate.com/home-equity/home-equity-lenders-launch-new-heloc-and-loan-products/
246. Home equity lenders broaden the base with new HELOC and loan products - Bankrate: https://www.bankrate.com/home-equity/lenders-broaden-base-with-new-products/
247. Better: 2026 Home Equity Review: https://www.bankrate.com/home-equity/reviews/better-mortgage/
248. Spring EQ HELOC Review: https://www.bankrate.com/home-equity/spring-eq-heloc-review/
249. What Is A No-Doc HELOC Or Home Equity Loan?: https://www.bankrate.com/home-equity/what-is-a-no-doc-heloc-or-home-equity-loan/
250. spring eq review: https://www.bankrate.com/mortgage/home-equity/spring-eq-review
251. Truss Financial Group LLC | BBB Reviews: https://www.bbb.org/us/ca/mission-viejo/profile/reverse-mortgage/truss-financial-group-llc-1126-100119970/customer-reviews
252. Better.com BBB Reviews: https://www.bbb.org/us/ny/new-york/profile/mortgage-lenders/bettercom-0121-165686/customer-reviews?page=3
253. In Their Words: Why You Should Use Angel Oak Mortgage Solutions: https://www.benzinga.com/money/angel-oak-mortgage-solutions-review
254. Deephaven Introduces New HELOC Offering to Help Partners Capture Share of the Expanding Home Equity Market: https://www.businesswire.com/news/home/20231204481069/en/Deephaven-Introduces-New-HELOC-Offering-to-Help-Partners-Capture-Share-of-the-Expanding-Home-Equity-Market
255. Angel Oak Mortgage Solutions Launches Bank Statement HELOC Product, Welcomes 6 Account Executives - Business Wire: https://www.businesswire.com/news/home/20240129082260/en/Angel-Oak-Mortgage-Solutions-Launches-Bank-Statement-HELOC-Product-Welcomes-6-Account-Executives
256. Angel Oak Mortgage Solutions Launches Bank Statement HELOC Product Welcomes 6 Account Executives: https://www.businesswire.com/news/home/20240129691922/en/Angel-Oak-Mortgage-Solutions-Launches-Bank-Statement-HELOC-Product-Welcomes-6-Account-Executives
257. Deephaven Mortgage Enhances Its Standalone HELOC Product: https://www.businesswire.com/news/home/20240506316279/en/Deephaven-Mortgage-Enhances-Its-Standalone-HELOC-Product-to-Help-Originators-Capture-Market-Share
258. KBRA Assigns Preliminary Ratings to Angel Oak Mortgage Trust 2025-HB1 (AOMT 2025-HB1): https://www.businesswire.com/news/home/20250422087899/en/KBRA-Assigns-Preliminary-Ratings-to-Angel-Oak-Mortgage-Trust-2025-HB1-AOMT-2025-HB1
259. Deephaven Mortgage Launches Equity Advantage HELOC, With Bank Statement Qualification Option for Self-Employed Borrowers: https://www.businesswire.com/news/home/20251203948012/en/Deephaven-Mortgage-Launches-Equity-Advantage-HELOC-With-Bank-Statement-Qualification-Option-for-Self-Employed-Borrowers
260. Deephaven Mortgage Rolls Out Equity Advantage HELOC Enhancements: https://www.businesswire.com/news/home/20260505176567/en/Deephaven-Mortgage-Rolls-Out-Equity-Advantage-HELOC-Enhancements
261. How quickly can a HELOC application be approved?: https://www.cbsnews.com/news/how-quickly-can-a-heloc-application-be-approved/
262. Figure HELOC review 2026: Lightening fast approval and funding: https://www.cnbc.com/select/figure-heloc-review/
263. Spring EQ: Home Equity Review: https://www.cnet.com/personal-finance/home-equity/spring-eq/
264. Spring EQ Reviews: Written By Customers: https://www.consumeraffairs.com/finance/spring-eq.html
265. CFPB enforcement action announcement: https://www.consumerfinance.gov/about-us/newsroom/
266. CFPB — What is a home equity line of credit (HELOC)?: https://www.consumerfinance.gov/ask-cfpb/what-is-a-home-equity-line-of-credit-heloc-en-107/
267. What is the ability-to-repay rule?: https://www.consumerfinance.gov/ask-cfpb/what-is-the-ability-to-repay-rule-en-1787/
268. Here's What You Need To Get a Home Equity Loan or HELOC - Credible: https://www.credible.com/blog/home-equity/what-you-need-to-get-home-equity-loan-heloc/
269. Compare Current HELOC Rates: https://www.experian.com/blogs/ask-experian/heloc-rates/
270. No Income Verification HELOCs & Home Equity Loans (2026): https://www.finder.com/home-equity/best-no-doc-heloc-home-equity-loans
271. Figure Review: Fast HELOC Similar to Home Equity Loan (2026): https://www.finder.com/home-equity/figure-heloc-review
272. No Doc HELOC: Tap Equity Without Tax Returns: https://www.finder.com/home-loans/heloc/no-doc-heloc
273. Do Home Equity Loans Have Closing Costs: https://www.firstalliancecu.com/blog/do-home-equity-loans-have-closing-costs
274. Figure Home Equity Line Of Credit (HELOC) Review: https://www.forbes.com/advisor/home-equity/figure-heloc-review/
275. Traditional HELOC Alternatives For Self-Employed Borrowers Are Expanding—What To Know: https://www.forbes.com/advisor/home-equity/heloc-alternatives-self-employed-lmandp5/
276. Spring EQ Home Equity Review: Pros, Cons & Verdict - Forbes: https://www.forbes.com/advisor/home-equity/spring-eq-home-equity-review/
277. Better Heloc: Rates and Application Process: https://www.gobankingrates.com/home-loans/home-equity-reviews/better-heloc/
278. Better Rolls Out AI Bank-Statement HELOC, NFTYDoor Ups Limits: https://www.hel.news/articles/tech/heloc-products-093025/
279. Angel Oak Mortgage Solutions taps into HELOCs: https://www.housingwire.com/articles/angel-oak-mortgage-solutions-taps-into-helocs/
280. Better launches bank statement HELOC for small business owners: https://www.housingwire.com/articles/better-launches-bank-statement-heloc-for-small-business-owners/
281. Deephaven Mortgage broadens Equity Advantage HELOC options: https://www.housingwire.com/articles/deephaven-expands-equity-advantage-heloc/
282. Deephaven Mortgage goes all in with expansion of home equity offerings: https://www.housingwire.com/articles/deephaven-mortgage-expansion-of-home-equity-offerings/
283. Deephaven Mortgage launches Equity Advantage HELOC: https://www.housingwire.com/articles/deephaven-mortgage-heloc/
284. Deephaven Mortgage non-QM lender coverage (HousingWire): https://www.housingwire.com/company/deephaven-mortgage/
285. Spring EQ’s CEO explains why home equity, DSCR and bank statement lending are shaping the market’s next growth cycle: https://www.housingwire.com/videos/spring-eqs-ceo-explains-why-home-equity-dscr-and-bank-statement-lending-are-shaping-the-markets-next-growth-cycle/
286. Spring EQ’s next chapter: CEO Joe Steffa shares insights on HELOCs, and the future of the second mortgage market: https://www.housingwire.com/videos/spring-eqs-next-chapter-ceo-joe-steffa-shares-insights-on-spring-eqs-vision-helocs-and-the-future-of-the-second-mortgage-market/
287. Angel Oak Launches HELOC Product for Self-Employed Borrowers | Inside Mortgage Finance: https://www.insidemortgagefinance.com/articles/230063-angel-oak-launches-heloc-product-for-self-employed-borrowers
288. Spring EQ Mortgage Review 2026: https://www.lendingtree.com/home/mortgage/spring-eq-mortgage-review/
289. Angel Oak Mortgage Solutions Review: https://www.miamiherald.com/banks/reviews/angel-oak-mortgage-solutions/
290. Figure HELOC Review 2026: Rates, Requirements & Is It Legit? | Money Atlas: https://www.moneyatlas.com/review/figure
291. Spring EQ Review 2026: HELOC & Home Equity Loan Rates, Pros & Cons | Money Atlas: https://www.moneyatlas.com/review/spring-eq
292. Better.com's AI-Driven HELOC Underwriting Makes Approval with Bank Statements Only Possible: https://www.morningstar.com/news/business-wire/20250930300471/bettercoms-ai-driven-heloc-underwriting-makes-approval-bank-statements-only-possible
293. Angel Oak Mortgage debuts bank statement HELOC: https://www.mpamag.com/us/specialty/non-qualified-mortgage-loan/angel-oak-mortgage-debuts-bank-statement-heloc/475129
294. Figure HELOC Review 2026: Rates, Credit Score and Funding Speed: https://www.mymillennialguide.com/figure-heloc-review/
295. Spring EQ HELOC Review: https://www.nasdaq.com/articles/spring-eq-heloc-review
296. Figure HELOC review: https://www.nerdwallet.com/article/loans/personal-loans/figure-review
297. Better.com profile — NerdWallet: https://www.nerdwallet.com/lender/better-mortgage
298. Figure HELOC Review 2026: https://www.nerdwallet.com/mortgages/reviews/figure-heloc-review
299. NMLS Consumer Access: https://www.nmlsconsumeraccess.org
300. 7 Best HELOC Lenders for Self-Employed (2026) - RateRoots: https://www.rateroots.com/library/best-heloc-lenders-for-self-employed-2026
301. 5 Day Funded HELOC? - Reddit: https://www.reddit.com/r/HELOC/comments/18ph4z1/5_day_funded_heloc/
302. Heloc helps please : r/HELOC - Reddit: https://www.reddit.com/r/HELOC/comments/1feyg23/heloc_helps_please/
303. No Doc HELOC Loans, Lenders and Requirements | RefiGuide: https://www.refiguide.org/no-doc-heloc/
304. Stated Income Home Equity Line of Credit in 2025: https://www.refiguide.org/stated-income-home-equity-line-credit/
305. Better.com coverage — Reuters: https://www.reuters.com/markets/us/bettercom-cuts-jobs-second-round-layoffs-2022-03-08/
306. Deephaven Mortgage lender listing (Scotsman Guide): https://www.scotsmanguide.com/lenders/deephaven-mortgage/
307. Better.com Home Equity Line of Credit Reviews (2026): https://www.supermoney.com/reviews/heloc/better-com-heloc
308. Better Mortgage Launches a Bank Statement HELOC: https://www.thetruthaboutmortgage.com/better-mortgage-launches-a-bank-statement-heloc/
309. Griffin Funding Reviews: https://www.trustpilot.com/review/griffinfunding.com
310. How to Get a HELOC or Home Equity Loan if You're Self-Employed: https://www.wsj.com/buyside/personal-finance/mortgage/heloc-self-employed
311. LBC MORTGAGE - Updated June 2026 - Reviews | Yelp: https://www.yelp.com/biz/lbc-mortgage-north-hollywood

Other Sources

312. Angel Oak Mortgage Solutions company profile: https://www.angelooakms.com/
313. Deephaven Mortgage's Post - LinkedIn: https://www.linkedin.com/posts/deephavenmortgage_exciting-news-deephaven-mortgage-is-excited-activity-7402342676286709761-UNvK
314. Self-Employed Loan Solutions for Alternative Income ...: https://www.linkedin.com/posts/deephavenmortgage_if-you-work-with-self-employed-borrowers-activity-7422652921948835840-3qNX
315. Deephaven Mortgage Offers Digital HELOC for Free and Clear ...: https://www.linkedin.com/posts/trey-canterbury-90512346_40-of-americans-own-their-home-outright-activity-7442664569577111554-5Mix
316. Angel Oak Mortgage Solutions - Trusted Lending Partner at Loan Factory: https://www.loanfactory.com/our-lenders/angel-oak-mortgage-solutions-5949732817993728 Explore more home equity loan and heloc lenders guidance in the category directory.