Unlock the Value of Your Home.

Turn your home equity into flexible financing for renovations, education, debt consolidation, or whatever comes next.

Put Your Equity to Work

A Home Equity Line of Credit lets you borrow against the value you’ve already built, without refinancing your first mortgage. Use what you need, when you need it, and pay interest only on the amount you actually draw.

Your home is one of your greatest financial assets. See what your available equity could look like before you talk numbers with an advisor today.

HOME EQUITY LINE OF CREDIT

Flexible Financing. Backed by Your Home.

Borrow only against what you actually draw

Keep your current first mortgage rate intact

Use funds for renovations, debt, or anything

Flexible repayment terms built around you

HELOC / HOME EQUITY CALCULATOR

See how much home equity you could unlock with a HELOC.

Estimate Your HELOC Available Equity

Estimated Home Value $750,000

$100,000 $2,000,000+

Remaining Mortgage Balance $300,000

$0 $1,500,000+

Estimated Available Equity

$450,000

This is an estimate based on your inputs. Actual equity may vary.

Maximum Access (80% LTV)

$300,000

Equity Percentage

60%

ⓘ Rate shown is for illustrative purposes only and is subject to change. Contact a loan officer for current rates.

Your Step-by-Step Path to Accessing Equity

From evaluating your available equity to accessing funds, we make the HELOC process simple, transparent, and tailored to your financial needs.

Discover Your Equity

We’ll review your property’s value and available equity to determine your borrowing potential.

Choose the Right HELOC

Our advisors explain your options, borrowing limits, and repayment structure so you can make an informed decision.

Access Funds When You Need Them

Once approved, you’ll have flexible access to your line of credit for renovations, investments, education, or unexpected expenses.

Get Pre-Qualified

Meet with one of our mortgage specialists to discuss your goals, review your finances, and understand your purchasing power before you begin house hunting.

REQUIRED DOCS

Documents You’ll Want Ready

Review the documents typically needed for your loan type.  This helps you gather everything in advance for a smoother process.

One piece of valid, government-issued photo ID to confirm who you are before we move forward.

Paystubs, W-2s, and tax returns that show how you’re paid, and how steady that income actually is.

Most Recent 30 Days of Paystubs
Last Paystub of Two Previous Years (if using overtime or commission)
Most Recent 2 Years of W-2s
Most Recent 2 Years of Personal Federal Tax Returns, all pages and schedules, if applicable
Most Recent 2 Years of Business Federal Tax Returns, all pages and schedules, if applicable

Bank and investment statements that show what you have to work with, and what you can fall back on.

Extra documents for specific situations, income sources, legal matters, or immigration status.

Social Security Award Letter
Pension/Retirement Award Letter
Divorce Decree or Separation Agreement
Child Support/Alimony Documentation
Bankruptcy Discharge and Bankruptcy Schedules
Gift Documentation
Permanent Resident Card, Visa, or Employment Authorization Document
VA Certificate of Eligibility for VA Loans

Your equity comes from this property, so we’ll need the paperwork tied to it, mortgage, insurance, and taxes.

Most Recent Mortgage Statement for Any Properties Currently Owned
Homeowners Insurance Declaration Page for Any Properties Currently Owned
Most Recent Property Tax Bill for Any Properties Currently Owned, if applicable
Any Copies of Leases, if applicable
HOA Statement for Any Properties Currently Owned, if applicable

Self-Employed Borrower?

Your documentation requirements may be different. Self-employed borrowers typically need additional documents to verify business income and ownership.

Trusted by Families. Built on Real Relationships.

5.0

Real feedback from real families who’ve experienced the difference.

    
 
 
       Posted on Google  
   
   AVI BALANZAT  
 
 
 
  We had such a great experience working with Massimo and Chris throughout our mortgage journey. We started the process around February/March and didn’t end up closing until July, so it was definitely a long road — and they were incredibly patient with us every step of the way.

New Jersey housing market is one of the most challenging markets at this time and they provided us with over 20 different pre-approvals as we looked at different homes,  explored our options, got outbid, and repeat. They were always responsive, constantly followed up, and made sure we felt taken care of from beginning to end.

What really stood out to us was their commitment. They truly make sure they finish what they started and stay with you all the way through closing, even after. Even during the stressful parts of the home-buying process, we always felt like we had a team that was looking out for us.

Massimo and Chris are truly one of the best teams out there. We’re so grateful for their patience, dedication, communication, and everything they did to help us finally get into our dream home. If you want a team that will go above and beyond what you ask of them, we absolutely recommend them to anyone looking for a mortgage team they can trust! I could swear TLC stands for Tender Love and Care.
  
 
      Posted on Google  
   
   UNION RENTALS  
 
 
 
  Love working with Chris and Massimo! They have helped me close 4 different deals now and they are my trusted go-to guys whenever I'm interested in real estate. They go above and beyond for you and will do everything in their power to help get your deal financed and closed.
  
 
      Posted on Google  
   
   BHAVEEK MISTRY  
 
 
 
  I recently worked with Team Legacy Capital to secure a DSCR loan and the entire experience was outstanding. Peter was extremely informative from the very beginning and took the time to clearly explain every part of the process. What really stood out was his follow-through — he made sure I always knew exactly where things stood at every step and never left me guessing. Communication was consistent and reliable all the way through until the loan was successfully closed. I felt supported and well-informed the entire time. Highly recommend!
  
 
      Posted on Google  
   
   JUNGHYUN AN  
 
 
 
  I had a great experience working with Peter at Team Legacy Capital for my home mortgage. He made the entire process incredibly clear, easy, and stress-free from start to finish.

What impressed me most was how quickly and efficiently he handled everything. He was always available whenever I had a question and took the time to explain things clearly so I always knew what was happening and what to expect next.

The whole mortgage process went much more smoothly and quickly than I expected, and that was largely thanks to Peter. I really appreciated his responsiveness, professionalism, and dedication throughout the entire process.

I would highly recommend Peter to anyone looking for a knowledgeable, reliable, and responsive mortgage professional.
  
 
      Posted on Google  
   
   FANNY QUINTELA  
 
 
 
  I had the chance to work with Billy for my mortgage. I never thought I would get approved and for years I feared the process because I didnt know it or understand it. He was absolutely phenomenal. He walked me through every step and explained it to me in a simple way and made sure I got it each time before we moved forward. He was super responsive in his communication, thorough, extremely knowledgeable and always very professional.  I trusted in him and he delivered on his words. He made my dreams come true and he is just unforgettable. At the end of it all I really felt like he was family. He wa also always honest and gave me options. He is the reason I can finally say I am a hone owner in NJ. I would absolutely refer and recommend his services. You will not go wrong with him and his team. I promise! Thanks Billy for all your hard work. You are truly magical!
  
 
      Posted on Google  
   
   LALAH SENCAR  
 
 
 
  I had a great experience working with Daren and Team Legacy Capital for my home purchase. Buying a house can be overwhelming, but Daren made the whole mortgage process so much easier. He was always quick to respond, answered all of my questions (and I had a lot!), and took the time to explain everything in a way that actually made sense.

What I appreciated most was that I never felt pressured. I always felt like he was looking out for my best interests and helping me make the right decision for my situation. Even after closing, he’s still been available anytime I’ve had questions.

If you’re looking for someone who’s knowledgeable, honest, and easy to work with, I’d definitely recommend Daren and Team Legacy Capital!
  
 
      Posted on Google  
   
   BELA VILAR  
 
 
 
  Massimo and Chris are an amazing team! My refinance went so smooth and so fast it was a great experience. They are knowledgeable and don't miss lead you. I will definitely use them in future and refer my family and friends.
  
 
      Posted on Google  
   
   DAN KOWAL  
 
 
 
  I had the best experience with this team! Massimo and Chris made the home buying experience so easy and were there every step of the way. Their in depth knowledge made me feel at ease and with every question I had, they provided answers that exceeded my expectations. This is the best company with the best service that anyone could ask for. I have all recommended them to others and will keep doing the same in the future. I cannot thank them enough for everything!
  
 
      Posted on Google  
   
   HEATHER NELSON  
 
 
 
  Working with Billy Anthony was an amazing experience! From start to finish, the process was smooth, professional, and stress-free. He helped me and my husband dream come true, by making a smooth transition on purchasing our first home . He took the time to answer all of our questions, kept us informed every step of the way, and truly had our best interests at heart.

His  knowledge, honesty, and dedication made a big difference, and we always felt confident that we were in good hands. If you’re looking for a mortgage broker who genuinely cares about their clients and goes above and beyond, I highly recommend Team Legacy Capital. Wishing you continued success with your new brokerage!
  
 
      Posted on Google  
   
   ANDREW HOILETT  
 
 
 
  The team you can trust is right here! I’ve bought multiple houses with this team and had a great experience. I work in the Cannabis industry so not many groups are willing to work with me but this one excels every time. I’ll only be working with them for future home buying.

Required documents

Answers to the questions you’re already asking

Preparing your documents early helps speed up the approval process and ensures a smoother mortgage experience.

Passport

Proof of Income Savings

Bank Statements

Proof of Income Savings

Employment Verification

Answers to questions you’re already asking

Before you make a decision, it’s normal to have doubts. Here are clear answers to the most common questions our clients ask.

What types of mortgage loans do you offer?

We provide financing for home purchases, refinancing, and Home Equity Lines of Credit (HELOCs), including conventional, FHA, VA, and jumbo loan options. We also offer non-QM programs like bank statement, DSCR, and asset depletion loans for self-employed borrowers and investors. As a licensed mortgage broker, we compare programs across multiple lenders to find the one that fits your situation, not just what one bank happens to offer.

Do you offer loan programs for self-employed borrowers or real estate investors?

Yes. Alongside conventional financing, we offer non-QM loan programs including bank statement loans, DSCR loans for investment properties, and asset depletion loans. These use alternative documentation instead of traditional W-2 income, so they’re often a fit for self-employed borrowers, business owners, and investors. Talk to one of our loan officers to see which program fits your situation.

What are the eligibility requirements for a mortgage?

Eligibility depends on your credit history, income, debt-to-income ratio, and the loan program you’re applying for. There’s no single answer that fits everyone. The best way to know where you stand is to talk with one of our loan officers, who can walk through your specific situation in detail.

How long does the mortgage approval process take?

Timelines vary based on the loan type, how quickly documents are submitted, and current market conditions. Many borrowers get pre-qualified within a day or two, with full approval typically following in a few weeks. Your loan officer will give you a realistic timeline once we understand your file.

Are there any additional fees associated with the mortgage?

Mortgages typically involve closing costs such as appraisal, title, and origination fees. The exact fees depend on your loan program and lender. We’ll walk you through a full breakdown before you commit to anything, so nothing shows up as a surprise at the closing table.

What is the interest rate for this mortgage?

Rates depend on your credit profile, loan type, down payment, and current market conditions, so we can’t quote one here. Your loan officer will provide a personalized rate quote along with the full APR and cost disclosures required before you move forward with anything.

What loan terms are typically available?

Loan terms vary by program. Generally, a shorter term means a higher monthly payment but less interest paid over the life of the loan, while a longer term lowers the payment but stretches out the interest. Your loan officer can walk you through the options for your situation.

What are the requirements for prepayment?

Most of our loan programs allow you to pay off your mortgage early without penalty, but terms can vary by lender and loan type. We’ll confirm your specific loan’s prepayment terms clearly before you sign anything at all.

Can I switch to a different mortgage product later?

Yes, many borrowers refinance into a different loan type down the road as their goals or the market changes. There’s no obligation to stay in your original loan structure forever if your situation changes.

Let's Build Your Legacy Together

Buying your first home, refinancing, or exploring equity? Our team offers expert, personalized guidance.

Explore Our Other Solutions

Whether you’re buying your first home, refinancing your current mortgage, or unlocking your home’s equity, we’re here to help you find the financing solution that fits your goals.

Mortgage specialists will help you understand options and recommend the right financing solution.

Purchase

Turn your dream home into reality with mortgage solutions tailored to your budget, lifestyle, and long-term financial goals.

Refinance

Lower your monthly payments, secure a better interest rate, or restructure your mortgage to better suit your future.

HELOC

Leverage the equity you’ve built in your home with flexible financing for renovations, investments, or life’s next chapter.

Resources & Articles

HELOC vs. Cash-Out Refinance: Which Fits You?

Jul 30, 2026

Ready to Access Your Equity?

Find out how much you could actually borrow in just a few quick minutes today.