No Appraisal HELOC powered by Honest Casa
No appraiser visit required* Check My Rate

Get a HELOC with no in-person appraisal — and no appraisal fee.

Traditional home equity lending stalls for weeks waiting on an appraiser. On loans under $400,000, your property is valued digitally using the same automated valuation technology large banks rely on — so your HELOC moves at the speed of your paperwork, not the appraiser's calendar.

Loans under $400K: digital valuation — no appraiser visit, no appraisal fee
Bank statement qualification: no tax returns or W-2s required
100% online with eNotary — funding in as little as 3 days after approval*
No appraiser visitDigital valuation under $400K
$0 appraisal feeOne less closing cost
As fast as 3 days*From approval to funded
No W-2s or tax returnsQualify with bank statements
Your offer is 60 seconds away 0%

How much cash do you want access to?

Drag the slider — under $400K, no in-person appraisal is needed. Check your rate as of .

$100,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's estimate your available equity

Your best guess is fine — the digital valuation confirms value later, automatically.

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will you use the cash for?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
Property—
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

$0 appraisal fee
Digital valuation replaces the in-person appraisal on loans under $400K
0 appraiser visits
No stranger walking through your home, no scheduling delays
~5 min
To check your rate — soft credit pull, no SSN required
Up to $750K
Flexible line of credit sized to your equity

A HELOC without the appraisal wait, in 3 steps

The in-person appraisal is the single biggest delay in traditional home equity lending. Removing it is how weeks become days.

01

Check your rate

Answer a few quick questions and see what you may qualify for — fast, secure, and 100% online. No SSN required at this stage.

~5 minutes
02

Value confirmed digitally

On loans under $400K, an automated valuation model prices your home from recorded sales, tax data, and market comps — no appraiser visit, no $500–$700 appraisal bill, no three-week wait.

Automatic
03

Close & get your cash

eSign your documents with an online notary and get funds sent straight to your bank account in as little as 3 days after approval.*

As fast as 3 days*

How can a lender skip the appraisal?

Because for most homes, the data already exists. Here's the honest picture of what replaces the appraiser — and where a traditional appraisal still applies.

Digital valuation (under $400K)

  • An automated valuation model (AVM) prices your home from recorded sales, county tax data, and live comparable listings
  • Completes in the background during your application — nothing to schedule
  • No appraisal fee and no appraiser walking through your home
  • Confirmed against your address the moment it's verified

When extra valuation steps apply

  • Loans of $400K or more may require additional valuation steps, which can include an appraisal
  • Very unusual properties with few comparable sales may need a human review
  • If you believe the AVM undervalues your home, ask your specialist about your options before proceeding
  • Either way, you'll know before anything costs you a dollar

Why homeowners choose a No Appraisal HELOC

The appraisal is the bottleneck

Scheduling an appraiser, the walkthrough, and the report typically add 2–3 weeks and $500–$700 to a home equity loan. A digital valuation completes in the background while you finish your application.

The same tech big banks trust

Automated valuation models (AVMs) draw on recorded sales, county data, and live market comps. Lenders rely on them for billions in home equity lending — under $400K, yours can too.

Bank statement qualification

Income can be verified with bank statements — no tax returns or W-2s required. Ideal for self-employed borrowers and business owners. No SSN is needed to check your rate.

Equity that stays on tap

This isn't a one-time payout. As you pay down your balance, you can draw again during your draw period — without a new appraisal each time.

No Appraisal HELOC vs. the traditional route

Same collateral, same equity — minus the appointment, the fee, and the multi-week wait.

No Appraisal HELOCRECOMMENDEDTraditional HELOCCash-out refi
In-person appraisal required No — under $400K* Usually Usually
Typical appraisal cost $0 $500–$700 $500–$700
Typical time to funding As little as 3 days* 2–6 weeks 30–45 days
Keeps your current mortgage rate Yes Yes No
Bank statement income option Yes Rarely Rarely
100% online with eNotary Yes Rarely Rarely
Maximum amount Up to $750K Varies Varies

Frequently asked questions

Can I really get a HELOC without an appraisal?
Yes — on loans under $400,000, no in-person appraisal is required. Your property is valued with a digital (automated) valuation model using recorded sales, county data, and market comparables. Loans of $400,000 or more may require additional valuation steps.
How accurate is a digital valuation compared to an appraisal?
Automated valuation models are built on the same data appraisers use — recorded sales, tax records, and comparable properties — and are relied on by major lenders for home equity lending. For typical homes in active markets they track closely to appraised values. Unusual or highly customized properties are where human appraisals still add value, and those cases may get additional review.
What does skipping the appraisal actually save?
Two things: money and weeks. A typical appraisal costs $500–$700 out of pocket, and scheduling the visit plus waiting on the report commonly adds two to three weeks. With a digital valuation, the value check runs in the background while you complete your application.
What if I think my home is worth more than the digital value?
Talk to your specialist before proceeding — they can review the valuation with you and discuss options. Because you see your offer before closing, you're never locked into a number you disagree with.
How fast can I get the money?
Checking your rate takes about five minutes. Once you select your offer, verify your details, and your loan closes, funds can be disbursed in as little as 3 days after approval. Timing varies by state, property type, and how quickly verification steps are completed.
Will checking my rate hurt my credit score?
No. Prequalification uses a soft credit inquiry, which has no impact on your credit score. A hard inquiry only occurs if you choose to proceed with the full application.
How much can I borrow?
Lines of credit range from $15,000 to $750,000 depending on your available home equity, credit profile, income, and state. Remember: the no-in-person-appraisal benefit applies to loans under $400,000.
Do I need tax returns or W-2s to qualify?
No. This is a bank statement HELOC — income can be verified directly from your bank statements through a secure, read-only connection. It's especially well suited to self-employed borrowers and business owners.
Is my Social Security number required to check my rate?
No. No Social Security number is required to check your rate; identity verification happens later, securely, inside the application. Checking your rate uses a soft credit pull only.
Who is the lender?
No Appraisal Needed HELOC is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

No appraiser. No appraisal fee. No weeks of waiting.

See your rate in minutes — the valuation happens in the background.

Check My Rate Now
Check My Rate — No Appraisal