Architectural illustration of a desert home and open terrace — Illustrative imagery · not a financed customer property

How it works / Four financing paths

Your next move.
One clear step at a time.

Start with your goals. Compare equity access, self-employed mortgage, and VA refinance paths with a licensed specialist.

Compare HEI vs HELOC

Availability and terms vary by lender and property.

Explore our San Diego home equity options guide or compare a HELOC with a home equity loan.

Four pathways to compare

One conversation. The key terms and tradeoffs in view.

Home Equity Investment

HEI — cash from equity without a scheduled monthly loan payment

An HEI may provide a lump sum without a scheduled monthly loan payment. In exchange, the provider receives a contract-defined settlement amount when you sell, refinance, buy out the agreement, or reach the contract deadline.

Funding amount depends on equity and provider criteria
Credit and eligibility guidelines vary by provider
No scheduled monthly loan payment in many HEI structures
Settlement method and deadline are defined by contract

Compare HEI vs HELOC

Home Equity Line of Credit

HELOC — flexible credit line secured by your home

A revolving line of credit secured by your home. Draw, payment, rate, and redraw rules depend on the lender's agreement and your eligibility.

Draw funds as you need them
Payment structure is defined by the lender
Rates and total cost can change
Redraw rights depend on the line terms

See if a HELOC fits Compare HEI vs HELOC

Bank-Statement Mortgage

Bank-statement mortgage — document self-employed income differently

Eligible personal or business bank-statement deposits may be used to evaluate qualifying income for a home loan, subject to program guidelines and full underwriting.

Designed for self-employed, 1099, and business-owner scenarios
Personal or business bank statements may be considered
Property, credit, reserves, and other requirements still apply
Program availability and terms vary

Check your fit

VA Streamline Refinance (IRRRL)

VA IRRRL — review a streamlined VA refinance path

An Interest Rate Reduction Refinance Loan is available only to eligible borrowers refinancing an existing VA loan. The lender confirms the required benefit, documentation, costs, and eligibility for each file.

Existing VA loan and program eligibility required
Documentation requirements vary by lender and file
Availability must be confirmed for your state
Costs and financing options are disclosed before closing

Check my VA IRRRL eligibility Learn more about IRRRL

The process

Three steps. Zero pressure.

Tell us about your home

Share initial property details and your goal. The request is not an approval or commitment to lend.

Review the available pathways

A licensed mortgage professional explains potential options, tradeoffs, and questions to resolve.

Confirm terms before proceeding

The lender or provider confirms eligibility, pricing, documents, and timing for the path you choose to pursue.

Investor pathway

HELOC for investment property in San Diego

Some lenders consider a HELOC on investment property in San Diego and elsewhere in California, but availability and underwriting are usually stricter than for a primary residence. See the HELOC on an investment property in San Diego guide for occupancy, documentation, and alternatives. Nothing here is an offer of credit, and no specific program is guaranteed.

Investment property HELOC guide Home equity options in San Diego

Frequently asked

How it works — your questions, answered

How does EquityEdge Lending work?+

You share initial property details and your goal, then a licensed mortgage professional reviews potential HEI, HELOC, bank-statement mortgage, and VA IRRRL pathways with you. If you proceed, eligibility and timing depend on the lender or provider, your documentation, valuation, and title review.

How long does the whole process take?+

Review and closing timelines vary by program and are set by the lender or provider based on your documentation, valuation, title, and other eligibility requirements. Any expected timeline is confirmed for your specific file rather than promised in advance.

Does requesting a review affect my credit?+

The initial review request is not a commitment to lend. Before any credit inquiry, ask the licensed mortgage professional whether a soft or hard inquiry will be used for the pathway you are considering and authorize it only after the process is explained.

Which option is right for me — HEI, HELOC, bank-statement mortgage, or VA IRRRL?+

There is no single best option. An HEI may avoid a scheduled monthly loan payment but creates a later settlement obligation; a HELOC is a revolving loan with payment and rate considerations; a bank-statement mortgage may use eligible personal or business deposits to evaluate qualifying income for a self-employed borrower, subject to full underwriting; and a VA IRRRL is limited to eligible borrowers with an existing VA loan. A licensed review should compare total cost, cash flow, eligibility, and exit timing.

Your next move.One clear step at a time.