Applying for a HELOC through Lendia is straightforward. Here is what to expect from the process.

Step 1 — Initial Consultation

Start by speaking with a Lendia advisor to review your goals, home value, outstanding mortgage, credit profile, and income. We will identify which HELOC products are available for your situation and give you a realistic picture of how much you may qualify for.

Call us at (949) 333-4636 or apply online at lendia.com.

Step 2 — Application and Documentation

You will complete a loan application and provide:

• Government-issued ID
• Two years of tax returns or alternative income documentation
• Recent paystubs or proof of income
• Two months of bank/asset statements
• Current mortgage statement for the property
• Homeowner’s insurance declaration page

Step 3 — Appraisal

An appraisal or automated valuation will be ordered to establish your home’s current value for CLTV calculation purposes.

Step 4 — Underwriting and Approval

Your file is reviewed by the lender’s underwriting team. Lendia manages this process and works through any conditions on your behalf.

Step 5 — Closing

Once approved, you sign loan documents and the HELOC is recorded. In California, a three-day right of rescission applies for owner-occupied properties — your line becomes available after the rescission period expires.