Why wait on Rocket Mortgage? Get cash faster with a Figure HELOC
- Apply for your fast HELOC without an in-person appraisal. Lock in a competitive, fixed rate1: Navigates to numbered disclaimer today
- 5 minute approval with our 100% online application. Funding in as few as 5 days2: Navigates to numbered disclaimer
- Make the most of your property's value by tapping into your home equity for up to $750,0005: Navigates to numbered disclaimer
- Flexible access to funds - You can redraw once you’ve repaid part of the principal1: Navigates to numbered disclaimer
- Get your rate as of July 10, 2025. Checking your rate won’t impact your credit!3: Navigates to numbered disclaimer
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Figure HELOC vs. Rocket Mortgage HELOAN
Discover why Figure HELOC is a better choice for unlocking your home’s equity
| Figure HELOC | Rocket Mortgage HELOAN | |
|---|---|---|
| Application Process | 5 minute, 100% online application process | Online, but you'll need to speak with a loan officer to complete the process* |
| Appraisal Requirement | No in-person appraisal in most cases | Typically requires an appraisal |
| Fund Disbursement | Get funding in as few as 5 days on loans of $400K or less2: Navigates to numbered disclaimer. Direct deposit to the account of your choice! | Typically 20 days from the date of application to close* |
| Minimum Borrowing Requirement | Lines start at just $15,000 - Ideal for smaller projects | Loans starting at $45,000** |
| Credit Score Requirement | Minimum 640 - Helps more homeowners qualify | Minimum 680 |
- * nerdwallet.com/reviews/mortgages/rocket-home-equity-loan-review
- ** rocketmortgage.com/home-loans/home-equity-loan
See Why Customers Across the U.S. Chose Figure:
Excellent experience from the start
Everything was simple and I received money within 5 days. Much better than working with Rocket Mortgage!! This company is very efficient.
Written by customer— Stephanie F.
I can't believe how efficient and fast these folks are
2 top lenders in the mortgage realm dragged their feet hoping I would give up my 2 percent mortgage with a growing $200K of equity in my home. But the folks at Figure knew what my goal was in trying to get some money to pay off some debt and fix up my kitchen a bit. Me and my wife are thrilled and I would highly recommend them over Rocket and or Discover.
Written by customer— S. Passehl
3311 Excellent Reviews on trust pilot
Trustpilot reviews Opens in a new window.Don’t wait—unlock your equity in as few as 5 days2: Navigates to numbered disclaimer. Start your Figure HELOC application now!