Agent HELOC powered by Honest Casa
Built for agent cash flow Check My Rate

The Real Estate Agent HELOC. Cash between commissions.

Real estate income comes in waves. Your bills don't. This is a credit line on your home that sits ready: draw when the month is slow, pay it back when the commission lands. It costs nothing while you're not using it. No tax returns — your bank statements show your real income. Check your rate in about 5 minutes.

Approved in minutes online* — close in as fast as 3 days after approval*
Draw in slow months, repay at closing — costs nothing while idle
Own rentals? DSCR HELOCs available too — the rent qualifies, not your income
Smooths the rollercoasterDraw, repay, repeat
$0 while idleInterest only on what you use
No tax returnsBank statements = real income
~5 min rate checkSoft pull, no SSN
Your offer is 60 seconds away 0%

How much backup do you want on tap?

Think of it as your line size — you only pay for what you actually draw. Check your rate as of .

$75,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

You run comps for a living — your best guess is probably right.

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What would the line mostly cover?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

First name is required
Last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
Property—
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

$0 while idle
An open, undrawn line costs nothing — it just sits there, ready
0 tax returns
Bank statements show your real deposits — write-offs don't hurt you
~5 min
To check your rate — soft pull, no SSN
Up to $750K
Draw what the month needs, repay at closing, draw again

A year in the life, with and without the line

Same agent, same commissions — different October.

Without it

  • Spring closings feel great — the money quietly funds summer
  • October is thin — marketing gets cut exactly when the winter pipeline needs it
  • The card balance grows at 24% while you wait on a December closing
  • January's commission arrives — and mostly pays off October

With it

  • The line sits open all year, costing nothing
  • October draws $12K at home-equity pricing — marketing never blinks
  • December's closing repays it; the full line resets automatically
  • January's commission is yours — not October's creditor

Your cash-flow line, in 3 steps

Set it up once. Use it for the rest of your career.

01

Check your rate

About five minutes, fully online — soft credit pull, no SSN. Faster than writing an offer.

~5 minutes
02

Qualify on your real income

Bank statements, connected securely and read-only, show your actual commission deposits. No tax returns, no explaining why April was quiet.

No tax returns
03

Draw, repay, repeat

Funds in as little as 3 days after approval.* Draw when the month is thin, repay when the commission hits, and the full line is there again — for years.

Yours for years

Why agents keep this line open

The business is lumpy. Your bills aren't.

Commissions arrive in clumps; the mortgage, the marketing, and the MLS dues arrive monthly. A standing line absorbs the mismatch — that's its whole job, and it does it for years off one setup.

Cheaper than every alternative

Cards run 18–29%. Merchant advances are worse. Selling investments triggers taxes. Home-equity pricing beats all of it — and an idle line costs $0, unlike borrowing you don't need yet.

Confidence between closings

The worst agent decisions get made in thin months — cutting marketing right when the pipeline needs it, taking overpriced listings out of cash pressure. A reserve on tap keeps you selling like the pipeline's full.

Your write-offs stay useful

Keep deducting like a pro. Bank-statement verification reads your deposits, not your Schedule C — so the tax strategy that saves you money in April doesn't cost you credit in June.

Agent HELOC vs. the usual slow-month fixes

What agents actually reach for when the pipeline goes quiet.

Agent HELOCRECOMMENDEDCredit cardsMerchant/commission advance
Typical cost Home-equity pricing 18–29% APR Often 30%+ effective
Costs anything while idle No — $0 until drawn No N/A — you borrow per deal
Amount available Up to $750K $10–50K typical Per pending commission
Tax returns required No — bank statements No No
Reusable for years Yes — draw/repay/repeat Yes — at card rates One advance at a time
Rate check without SSN Yes — soft pull Varies Varies
Time to set up As little as 3 days* Days Days

Frequently asked questions

What exactly is an agent HELOC?
A home equity line of credit sized and set up for real estate agents: a standing credit line on your home that costs nothing while undrawn. Draw in slow months or for opportunities, repay when commissions land, and the full line is available again — for years off a single setup. Income is verified from bank statements, so no tax returns.
Can I get a HELOC on my rental property?
Yes — DSCR HELOCs are available for rental properties: the property's rent does the qualifying, not your personal income or tax returns. Those run through our lender network rather than the instant online flow, and your specialist matches the right program. Pick 'HELOC on my rental' in the form and it routes automatically.
What does it cost when I'm not using it?
Nothing. No annual fee, no charge to keep it open, and interest accrues only on what you've actually drawn. An open, idle line is a free standing reserve — that's why agents set it up in a good month, before the thin one arrives.
Can I qualify with commission income and heavy write-offs?
Yes — that's who this is for. Bank statements show your real deposits, and that's what qualifies you. Your Schedule C write-offs, mileage, and marketing deductions don't reduce your qualifying income here.
When is the right time to set it up?
In a good month — honestly. Approval reads your recent deposits, so applying after a strong quarter beats applying mid-drought. The agents who love this line opened it when they didn't need it yet.
How fast can I get it?
Rate check in about 5 minutes; funding in as little as 3 days after final approval.* After that, draws are yours on demand — no re-applying, no new approval each time.
Will checking my rate hurt my credit score?
No — it's a soft inquiry with no score impact, and no SSN is required to see your rate. A hard pull only happens if you proceed with a full application.
Does this touch my current mortgage?
No. It's a separate second lien behind your mortgage — your rate, payment, and lender stay exactly as they are.
How much can I get?
Lines run $15,000 to $750,000 — roughly 85% of your home's value minus what you owe, plus credit. The 60-second form above runs your numbers instantly.
Who is the lender?
This site is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

Set it up in a good month. Thank yourself in a slow one.

Check your rate in ~5 minutes — no SSN, no tax returns, costs nothing while idle.

Check My Rate Now
Check My Rate — 5 Minutes