Unlock Your Home Equity
Fast & Flexible HELOC Options
Tim Manfro · Mortgage Broker & Educator · Loan Advisor Group
Fast & Flexible HELOC Options
Tim Manfro · Mortgage Broker & Educator · Loan Advisor Group
The basics
A Home Equity Line of Credit is a revolving line of credit secured by your home — use what you need, pay it down, and reuse it. And the best part: your existing first mortgage stays exactly as-is.
Keep your low first mortgage rate
A HELOC is a second loan — not a refinance. Your first mortgage and its interest rate stay completely untouched.
5-year draw period, then converts to a payoff phase.
Common uses
Why Mortgage Manfro
Fixed Rate Options (Rare)
Lock in stability with a fixed-rate HELOC — most lenders don't offer this.
Fast Closings
5–7 days standard · 7–14 days if property is in a trust.
Easy Qualification
No tax returns or W-2s needed. Based on bank deposits — works for self-employed and W-2 borrowers.
No Out-of-Pocket Costs
All fees are rolled into the loan — nothing due upfront.
Flexible Terms
30, 20, 15, and 10 year options. Adjustable or fixed rate — your choice.
No credit impact to check your options
Your initial quote uses a soft pull — zero impact to your credit score. A hard inquiry only happens after you decide to move forward.
FAQ
Do I have to refinance my current mortgage?
No — this is a second loan. Your current mortgage and rate stay the same.
How does the payment work?
Payment is based on the balance you use and adjusts as you pay it down.
How long do I have access to the funds?
5-year draw period, then it converts to a payoff phase.
Are the rates fixed or adjustable?
We offer fixed-rate HELOC options (rare) and adjustable options.
Do I need tax returns or W-2s?
No — qualification is based on bank deposits. Great for self-employed and business owners who may not show all income on paper.
Are there out-of-pocket costs?
No — all fees are rolled into the loan.
How fast is the process?
Typically 5–7 days (7–14 days if the property is in a trust).
Who is this great for?
Perfect for borrowers turned down elsewhere — especially self-employed or business owners who may not show all income on paper.
What makes Mortgage Manfro different?
Education first — we help you understand your options so you can make the best decision. We focus on relationships, communication, and making the process simple.
Your broker
Tim is a Mortgage Broker & Educator based in La Verne, CA. His approach is education first — helping homeowners understand all their options before making any decision. He shops 100+ lenders to find the best fit for your situation, not a one-size-fits-all solution.
He focuses on relationships, communication, and making the mortgage process simple — which is why clients keep coming back.
Book a free call with TimReady to get started?
Tim Manfro
Mortgage Broker & Educator · Mortgage Manfro | Loan Advisor Group
NMLS #288666 · DRE #02205689
This is not a commitment to lend. All loans subject to approval. Equal Housing Lender.