FLORIDA  ·  MARYLAND  ·  VIRGINIA

Your equity.
Direct access, no branch required.

Check your HELOC rate online with a soft credit check that never touches your credit score. Most homeowners get a decision in minutes and funding in as little as 5 to 7 business days.

Available to homeowners with property in Florida, Maryland, or Virginia.

Check Your Rate — No Credit Impact See How It Works
7.16%
Nat'l Avg. HELOC Rate
6.75%
WSJ Prime Rate
Week of Aug 31, 2026 · rechecked weekly
What Homeowners Typically Find
5–7
Business days from a completed application to funded, in most cases
85%
Maximum combined loan-to-value most homeowners can borrow against
0
Point credit score impact to check your rate — it's a soft pull
— How It Works

One online application.
No branch, no waiting room.

Equity Line Direct connects you to Aven's online HELOC platform — the same system behind the application, from rate check to funded line.

01
Check Your Rate
A soft credit check shows your rate and available limit. It does not affect your credit score.
02
Get a Decision
Most applicants know where they stand within minutes of finishing the application, not days later.
03
Rate Locks Per Draw
Each amount you draw locks in its own fixed rate — it doesn't float with the market the way a standard HELOC does.
04
Funded in Days
A fully digital process built to move from signed application to funded line in as little as 5 to 7 business days.
Check Your Rate — No Credit Impact Available in FL, MD & VA only
This application is powered by Aven's lending platform. Checking your rate uses a soft credit inquiry and does not affect your credit score; a hard inquiry may occur only if you choose to proceed with a full application. Approval, rate, term, and credit limit are determined by Aven's underwriting and are subject to credit approval, property, and state eligibility. This is not a commitment to lend.
HELOC vs. Cash-Out Refinance: What Actually Costs Less
Illustrative only. See disclosure below.
Keep Your Mortgage + Add a HELOC
$1,724
Your current rate stays locked; only the new $75,000 prices at this week's HELOC average
Cash-Out Refinance (Replace Everything)
$1,970
Your entire $355,000 balance re-prices to today's national average
Monthly differenceHELOC path is $246 less per month
Figures are interest-only estimates and exclude principal amortization, closing costs, escrow, and title fees. National average HELOC rate: 7.16%, Bankrate.com via Yahoo Finance, as of August 31, 2026 — a new 2026 low. National average 30-year fixed rate: Freddie Mac Primary Mortgage Market Survey, freddiemac.com/pmms, 6.66% as of the week of August 27, 2026. Your existing rate is self-reported and used only to illustrate the relative comparison. This tool is educational only, not a quote, application, or commitment to lend. Contact us for your actual numbers.
— Where We Lend

Three states.
One straightforward process.

Equity Line Direct works with homeowners in Florida, Maryland, and Virginia — no other states, no exceptions. Select yours for state-specific equity context.

Florida
No state income tax and years of strong home-value growth have left many Florida homeowners with substantial untapped equity.
Florida HELOC →
Maryland
High homeownership tenure around the DC-Baltimore corridor means many Maryland homeowners are sitting on equity built over a decade or more.
Maryland HELOC →
Virginia
From Northern Virginia to Hampton Roads, sustained home-value appreciation has built meaningful equity for long-tenured Virginia owners.
Virginia HELOC →
— Why Direct

The only difference from a bank HELOC is everything in your way.

Same home, same equity, same basic math. What changes is how much friction sits between you and an answer — a branch appointment, a stack of paperwork, a week of waiting to hear back. Equity Line Direct exists to strip that part out.

Fully online, start to funded
No branch visit to check your rate or submit an application.
Rate check first, decision second
See real numbers with a soft credit check before anything touches your credit score.
A licensed originator behind it
Backed by Ryan Alexander, NMLS# 2052894, and KORE Mortgage, NMLS# 1879866 — not an anonymous call center.
Three states, deep familiarity
Florida, Maryland, and Virginia only — not a nationwide operation spread thin.
— Questions

Before you check your rate.

Is Equity Line Direct a lender?
Equity Line Direct is a service of KORE Mortgage, NMLS# 1879866, and licensed loan originator Ryan Alexander, NMLS# 2052894. The HELOC application itself runs on Aven's lending platform; we help homeowners in Florida, Maryland, and Virginia find and understand that option.
Which states does Equity Line Direct serve?
Florida, Maryland, and Virginia only. Property outside those three states is not eligible through this site.
Does checking my rate hurt my credit score?
No. Checking your rate and available limit uses a soft credit inquiry, which does not affect your credit score. A hard inquiry only occurs if you choose to move forward with a full application.
How is this different from walking into a bank branch?
The entire process, from checking your rate to signing, happens online. There's no branch visit and no in-person appraisal appointment required to get started, and most applicants receive a decision within minutes of applying.
What if my home doesn't have much equity, or my credit isn't strong?
Eligibility depends on your home's value against what you still owe, and on your credit profile. Checking your rate costs nothing and does not affect your score, so it's a low-risk way to find out where you stand before deciding anything.

Need a different loan program — investment property, DSCR, commercial, or bridge financing?

See the full menu at Alexander Capital Group →

Ready to see your actual number?

A soft credit check, a real rate, no obligation. Takes a few minutes.

Check Your Rate — No Credit Impact