Your home is paid off. Review a first-lien HELOC.
Stonehaven offers first-lien HELOC options for paid-off homes, subject to lender underwriting. Enter zero for your mortgage balance to start a review.
Request a reviewEquity is the starting point
The lender still reviews income, credit, property value, title and the requested amount. Owning the home outright does not guarantee approval or a particular credit limit.
A new payment deserves a plan
A HELOC creates a lien on a home that may currently have none. Compare variable payments, a fixed home-equity loan, fees and your preferred payoff date before borrowing. Property taxes, insurance and maintenance remain your responsibility.
Available for review in GA, AL, TN, FL, NC and SC. A HELOC is secured by your home. Rates and payments may rise; failure to repay can result in loss of the home. Subject to verification and approval.
Get a text from a broker
Share your estimated home value, mortgage balance, and the amount you want to borrow. A broker will text you to review your figures. No obligation or hard credit pull at this stage.
Dawn M. Muñoz
Co-Founder · Residential Broker · 20+ years in mortgage operations
Equal Housing Opportunity · Stonehaven Lending · NMLS #1752355
GA Residential Mortgage Licensee #19721 · MLO #169068 · AL #22874 · TN #165060 · FL #MBR3925 · NC #B-198926 · SC
Estimates only - subject to verification, appraisal, and lender approval. Stonehaven Lending is a mortgage brokerage, not a direct lender. HELOC rates are typically variable and payments may increase. Program availability varies by state. NMLS Consumer Access · Privacy