# Mortgage Basics

HELOC Loans

Looking to tap into the equity in your home? Look no further than Groves Capital's HELOC Loan Program.

With our program, you can access the funds you need, when you need them, with flexible repayment options and competitive interest rates. Our HELOC Loan Program is designed to help you make the most of your home's equity, whether you're looking to make home improvements, consolidate debt, or cover unexpected expenses. 

Plus, with our fast and easy application process, you could be approved in as little as 7 days. Contact us today to learn more about how our HELOC Loan Program can help you achieve your financial goals.

    Up to
    85%
    Cash Out
    $20k to $400k
    1 Unit SFR, Condo, PUD
    50%
    Maximium DTI
    5, 10, 15 & 30
    Year
    Options
    Fast 5 to 7 Day
    Closings

    Apply Now!

    # Apply For Home Equity Line Of Credit

    HELOC vs. Regular Home Loans?

    A home equity line of credit (HELOC) is a type of revolving credit that allows homeowners to borrow against the equity in their home. Equity is the difference between the current market value of the home and the outstanding mortgage balance. With a HELOC, homeowners can access funds up to a pre-approved limit and borrow money as needed, similar to how a credit card works. 

    The interest rate on a HELOC is typically variable and may be based on the prime rate or another benchmark. Homeowners can use the funds from a HELOC for a variety of purposes, such as home improvements, debt consolidation, education expenses, or other major expenses. 

    As with any type of borrowing, it's important to carefully consider the terms and conditions of a HELOC and to only borrow what you can afford to repay.

    Apply Now
    (650) 388-0418

    Testimonials

    "Kristin Howard is absolutely best !!!!!!!!! She stayed on top of my deal until closing date.Cant ask for better service . Thank you Kristin"
    "Susan is the BEST! I have done several transactions with her and she has always been so helpful and made the process so easy. These can be stressful but with Susan it is always simple. Highly recommend!"
    "We had the pleasure of working with Angel Pierro. He was supportive during this entire process and we would 100% use him again! Highly recommend!"
    "I am so grateful to Maricris Duke for being so wonderful and helpful during the entire process. As a first time home buyer, I had a lot of questions and doubts but Maricris was there to answer and explain everything to me. Thank you for all the help to get the loan and ass
    "We had a very nice experience and had a quick aprroval!"
    "Josh Settersten, was AMAZING to work with. Really really good at what he does. Professional, trustworthy, good listener and tries to get you the best deal out there. I learned so much about getting a mortgage from him. He delivered on all fronts. I am glad I had him in my co
    "Josh helped tremendously throughout the entire process of purchasing our first home. He was excellent at communicating and overall exceeded our expectations. I would highly recommend working with Josh!"

    # Apply For HELOC

    Why Should You Choose Us?

    We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with our simple Hard Money Rate Quote.

    • Customer Focused
    • Minimal Documentation
    • In-Houses Controls
    • Best Loan Services
    Apply Now
    (650) 388-0418
    About Image 2

    # Apply Now!

    Our Core Purchasing Service

    Whether you’re looking to purchase a new home or refinance your existing home,Groves Capital can provide all the help you need.

    Round

    Cal FHA

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Bankruptcy Discharged

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Round

    Cal Hero

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Round

    Cal STRS

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Round

    FHA 203k Loans

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Round

    FHA Streamline

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Hybrid ARM

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Interest Only

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Reverse

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Sale Leaseback

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    Second Home

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    VA Irrrl

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    VA Veterans Affairs

    We know that each client has unique needs; we’ve built a reputation of being able to deliver a broad menu of options to our clients while maintaining great service and timely delivery.

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    # Work With Us

    States We Lend In

    groves-capital-map

    Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario. Give us a call to see what we can do for you.

    Apply now
    (650) 388-0418