Home Equity Line of Credit

Unlock your home’s value with Celer Mortgage’s HELOC Program—a flexible credit line you can tap into anytime for renovations, education, debt consolidation, and more. Borrow as needed, on your terms.

Celer Mortgage inc.
4.5
powered by Google

Key Features

Revolving Credit Line

Works like a credit card, giving you access to funds as needed within the approved limit.

Flexible Withdrawals

Borrow as much or as little as you need during the draw period, typically 5–10 years.

Variable Interest Rates

Interest adjusts with the market; some lenders may offer fixed-rate options.

Use Funds Freely

No limitations on how you spend—perfect for home improvements, tuition, medical bills, or emergencies.

Homebuyer Education: Empowering Your Journey

Although not always required, understanding the structure of a HELOC can help you make smarter borrowing decisions. Celer Mortgage encourages educational resources for homeowners considering this type of credit.

Our Customer Care Agents Are Available.

Eligibility Requirements

Minimum Credit Score

Generally requires a score of 620+, though some lenders may prefer 680+.

Home Equity Requirement

Must have at least 15–20% equity in your home to qualify.

Debt-to-Income Ratio (DTI)

Typically allowed up to 45%, depending on financial profile.

Stable Income

Must demonstrate reliable income and ability to repay the borrowed amount.

Our Satisfied Clients

Hear what some of our satisfied client have to say

I would like to thank Isayda Aguilar for helping us through the loan process. We finally bought our first home and I couldn’t be happier with the process! Isayda made it so simple for us to know what steps were ahead and how the process …More
Nancy Pineda, Happy Customer
Riley helped me and my brother with the purchase of our first home. Very timely with his responses to any of our questions, very thorough and informative too. On the rare occasions he did not have an answer to our questions, he ensured to  …
Daniel Utuone, Happy Customer
Gabriel Reyes, amazing loan agent! As a first time home buyer our experience with him was great. He was able to answer all of our questions and doubts. All the information provided was helpful and informative. We couldn’t be any happier …More
Martha Aguilera, Happy Customer
We worked with Cynthia on buying our home and she was phenomenal! She was always available to answer any questions we had or to explain something in further detail. Buying a home can be long and a lot of unknowns, but Cynthia really made the process so easy for us!
Desiree S, Happy Customer

How to Apply

Contact a Celer Mortgage loan officer to get started. You’ll need documentation like income verification, mortgage statements, and property info. Our team will review your equity, assess eligibility, and guide you through approval. Once approved, you’ll access your credit line and draw funds as needed.

Our Customer Care Agents Are Available.

Get Started Now

Whether you’re renovating, investing in education, or managing unexpected expenses, we’re here to help you use your home’s value to your advantage. Fill out the form now.

Stay Informed

Stay Informed. Whether you are a first time buyer or interested in becoming, real estate agent, or mortgage agent. we have classes and updates to keep you up to date. Simply add your name and email to be on the list

Join Our Mailing List

Interested in Buying or Selling? Get On The list.