100% Online
Fast Approval
Privacy Protected
Get the cash you need without leaving home
Unlock your home equity and get money in your bank account within 5 days. No refinancing. No bank appointments. No judgment.
5 Minutes
Get approved within 5 minutes
$750,000
Access up to $750,000 at a fixed rate
Low Rates
Lower interest rate than other loans
1
Fast Property Assessment
Just type in your address, and our intelligent system quickly determines eligibility, leveraging advanced data to streamline the initial assessment.
2
Quick Income Verification
Connect your bank account or upload documents in seconds. Our platform instantly verifies income, making securing funds hassle-free.
3
Instant Personalized Offer
See your pre-qualified rate and customize your loan in realtime. Choose what matters most: loan amount, monthly payments or interest rate.
Is a HELOC right for you?
Our HELOC works best for homeowners with equity who value speed, flexibility, and control. Here's who benefits most:
Great Fit:
Homeowners with equity in their homes
Applicants with 620+ credit score
Currently employed or earning an income
Interested in keeping their low mortgage rate without refinancing
People looking to consolidate high-interest debt into one lower payment
Those frustrated with traditional banks and seeking a modern, digital experience
Not a Good Fit
Renters or homeowners with low equity in their homes
Applicants with a low credit score
Unemployed or not earning an income
Those uncomfortable using their home as collateral
People who can't afford additional monthly payments
Anyone who is only seeking unsecured credit options
What can I use a home equity line of credit for?
Your Equity. Your Goals. Your Choice. Unlike traditional loans that restrict how you use funds, a JMJ HELOC gives you complete freedom to use your money however you need.
Home Improvement
Make strategic renovations that increase the value of your home and skyrocket your net worth.
Pay Off High-Interest Loans
Turn multiple high-interest payments into one simple, lower-rate payment. Trade expensive credit card interest for lower HELOC rates.
Downpayment on a second home
Use your equity as a down payment on a second property. Rent your new property to cover the mortgage and generate additional income for you.
Fund Your Business
Start that business you've always dreamed about. Or if you are an existing business owner, a HELOC is a better, faster, more flexible loan for you with a lower interest rate compared to business loans.
Education
Pay off your student loans at a lower rate than traditional education loans.
Why choose JMJ Financial?
We rebuilt home equity lending from the ground up. No outdated processes. No unnecessary delays. No judgment. Get funds in your bank account in as little as 5 days.
01
100% online
application
Apply from your couch, your office, or anywhere with internet. No human interaction required. Get approved in 5 minutes.
02
Enjoy a competitive, fixed rate
Predictable payments with complete peace of mind. You'll know exactly what you're paying every month. No hidden surprises.
03
Option to redraw
up to 100%
As you pay down your balance, you can redraw those funds again and again throughout your draw period: up to 100% of your original credit line.
04
Online support and
video notary
Get expert support via chat, phone, or video. Need documents notarized? We offer secure video notary services in most locations
05
Get Approval
In 5 Minutes
See your pre-qualified rate in real-time, with no impact to your credit score. No more waiting days for a loan officer to review your file.
06
Withdraw upto $750,000
Whether you need $15k for debt consolidation or $750k for investment property, JMJ has the lending power to support your ambitions.
How does JMJ's HELOC compare against other options
Traditional lending is broken. We're here to fix it! Our product is built for those who value their time and do not want to deal with hassles. No scheduling office visits, no taking time off work. Just convenient, modern service that fits your schedule.
100% online, see your rate instantly
Varies by lender, may require in-person processes
Varies by lender
Never
Possible, varies by lender
Possible
For home improvement
(be sure to consult a tax professional)
For home improvement
(be sure to consult a tax professional)
Not tax deductible
Funding in as few as 5 days on loans of $400k or less
Could be weeks
Varies, generally quick
Competitive rates
Variable rates,
potentially higher
Typically higher than HELOCs
Application
Payment penalty
Tax deductible
Funding speed
Average APR
JMJ HELOC
Traditional Bank HELOC*
Average Personal Loan**
* lendingtree.com/home/home-equity/the-fastest-way-to-tap-your-home-equity/
** money.usnews.com/loans/personal-loans/articles/personal-loan-vs-home-equity-loan-which-is-better
Frequently Asked Questions
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26800 Aliso Viejo Pkwy #200
Aliso Viejo CA 92656
© JMJ Financial Group, Inc
JMJ Financial Group
26800 ALISO VIEJO PKWY #200
ALISO VIEJO, CA 92656
NMLS #167867: NMLS consumer access.
For licensing information, please go to www.nmlsconsumeraccess.org.
JMJ Financial Group Home Equity Line of Credit is available in AZ, CA, CO, FL, GA, ID, IL, MT, NC, NE, NV, OH, OK, OR, SC, TN, TX, UT, WA, WI.
For Customer Service or Complaints, email us at loans@jmj.myfastheloc.com, or call +1 (888) 339-0304 between Monday-Friday from 6am-9pm PT and Saturday-Sunday from 6am-5pm PT.
This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the State of New York will be accepted through this site.
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A JMJ Financial Group HELOC is secured with your home as collateral, whereas personal loans and credit cards are not.
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To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.
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Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing.
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The JMJ Financial Group Home Equity Line of Credit is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.