A friendlier kind of HELOC

The wealth in your home, on tap.

A HELOC turns the equity you've built into a flexible pool of cash. Dip in for the kitchen reno, the tuition bill, or that "just in case" cushion, only pay interest on what you actually borrow.

  • Borrow only what you need
  • Pay interest only on what you use
  • Keep your current mortgage right where it is
See what you qualify forGot questions?

Your line

$150,000

$50K used$100K available

Monthly

$312

interest-only

Draw period

10 yrs

your call

Why homeowners love it.

The flexibility of a credit card with the power of your home.

$500K

Cash when you need it

Up to $500K available. Only borrow what you actually want.

−50%

Lower than credit cards

Way friendlier rates than plastic, because your home's pulling its weight.

10 yrs

Your timeline, your terms

3, 5, or 10 year draw periods. Pay down. Borrow again.

90%

Of your home's value

Borrow up to 90% of what your home is worth, one of the highest HELOC limits around.

Trusted by your families and neighbors
A real SD Capital Funding story

They didn't want a new house. They wanted theirs back.

The Garcias' remodeled kitchen, funded by a HELOC
The Garcias' new primary bathroom
Encinitas, CA

"Our kids learned to walk in this kitchen. We weren't about to trade 17 years of memories for a bigger zip code, we just needed the house to grow up with us."

Maria & Daniel G., HELOC clients since 2026

After almost two decades in their Encinitas home, the Garcias were stuck. The kitchen was original to the 1990s build, the primary bath leaked into the hallway, and their teenagers were begging for space to actually live. Every Zillow listing they opened felt like giving up.

Refinancing meant losing their 3.1% mortgage rate. Selling meant losing their neighborhood, their schools, their backyard lemon tree. So we walked them through a HELOC: keep the loan they love, unlock the equity they earned, and pay interest only on what they actually used during construction.

Six months later, they're hosting Sunday dinners around a marble island. The kids have a real bathroom. And the appraiser came back with a number that more than covered the project. Same address. Brand new chapter.

$185K
HELOC drawn for the remodel
+$240K
Added to appraised home value
17 yrs
In the home they refused to leave
2 rooms
Kitchen + primary bath, fully reimagined

Names changed for privacy. Project funded by an SD Capital Funding HELOC in 2026.

Three steps. Zero runaround.

No mystery, no runaround. Here's exactly how your HELOC unfolds with us.

  1. 01

    Tell us about your place

    A few quick questions about your home and what you're hoping to do. Soft credit pull only.

  2. 02

    Pick terms that fit

    We'll show you draw periods, rates, and payments side by side. You choose what makes sense.

  3. 03

    Get your line, fast

    Sign, close, and start drawing whenever you need. Often in a couple of weeks, not months.

HELOC vs. cash-out refi

Two ways to tap your equity. We'll show you which one actually fits.

Both turn home equity into cash, but they work very differently. Here's the side-by-side.

Loan type
HELOCA second mortgage that sits on top of your first
Cash-out refiA brand-new first mortgage that replaces your existing one
How you get the money
HELOCBorrow as you need it, up to your approved limit
Cash-out refiOne lump sum at closing, based on your equity
Interest rate
HELOCUsually variable (some fixed options available)
Cash-out refiTypically fixed for the life of the loan
Monthly payments
HELOCTwo: your original mortgage + the HELOC
Cash-out refiOne payment on the new, larger mortgage
Flexibility
HELOCHigh: borrow, repay, borrow again
Cash-out refiLow: you get the cash once
Best for
HELOCPhased, ongoing, or 'just in case' expenses
Cash-out refiLarge, one-time expenses

Still on the fence? Read up on cash-out or chat with a human.

The fine print, made friendly

Questions? Same.

Think credit card, but backed by your house. You get approved for a max amount (say $150K), then draw what you need during a 5–10 year window. You only pay interest on what you've actually borrowed. After the draw period ends, you pay it back over time. Meanwhile, your original mortgage doesn't budge.
If you love your current mortgage rate, a HELOC lets you keep it. You don't touch your first mortgage, you just add a flexible line on top. Cash out makes more sense when you want one big lump sum and don't mind redoing your whole mortgage.
Most lenders go up to 80–85% of your home's value, minus what you still owe. Example: home worth $800K, mortgage of $400K → you might qualify for a line up to $240K–$280K. We'll do the real math with you, no calculator gymnastics required.
Pretty much anything: renos, debt consolidation, tuition, a second home down payment, medical bills, a long-overdue trip, or just a 'rainy day' cushion. You're the boss of your line.
It can be, when the funds are used to buy, build, or substantially improve the home securing the HELOC. (We're loan people, not tax people, chat with a CPA on the specifics.)

Ready to unlock the wealth in your home?

Three minutes, soft credit pull, real human follow-up. No pressure, no jargon.

Start your line
No mortgage? No problem.

Own your home free and clear? Check out our stand-alone HELOC.

A stand-alone HELOC is built for homeowners who've already paid off their mortgage (go you 👏). Instead of layering on top of an existing loan, it sits in first position, so you keep full ownership of your home while tapping into a flexible line of credit. Borrow only what you need, pay interest only on what you use, and keep the rest available for whenever life calls.

Learn More