Ditch the Adjustable HELOC — Lock in a Fixed Rate in Days
No Appraisal. No Refinance. Just Fast, Paperless Funding.
💬 Smart Homeowners Are Moving Fast
Homeowners across California are waking up to the truth: adjustable HELOCs are unpredictable, risky, and rising fast.
Traditional HELOCs may look attractive — until rates spike and your payment doubles.
📉 The average HELOC rate has already spiked past 10.75%. And it's still rising.
That’s why smart homeowners are switching to fixed-rate HELOCs.
With a Fixed-Rate HELOC, you get predictable payments, fast funding, and total digital convenience — without touching your low first mortgage.
✅ No appraisal
✅ No refinance
✅ No adjustable-rate surprises
✅ You get a fixed interest rate — so your payment never changes
✅ You get access to a revolving line of credit — so you can pull more as needed
✅ Full approval in minutes
✅ 100% paperless process with virtual notary
✅ And no waiting — you can get funded in as little as 5 days
Kiyoshi Inui | President
Real people. No pressure. Just real mortgage solutions.
😱 Why Adjustable HELOCs Are Too Risky in 2025
📈 HELOC rates now average over 10.75%
💣 Payments can spike every time the Fed raises rates
🧨 Most are variable and reset monthly
Fixed-rate HELOCs protect you — no rate surprises, ever.
🌟 The Best of Both Worlds — Fixed Rate + Credit Access
This isn’t just a loan. And it’s not a risky adjustable line either.
✅ You get a fixed interest rate — so your payment never changes
✅ You get access to a revolving line of credit — so you can pull more as needed
✅ You only pay interest on what you actually use
It’s the perfect hybrid for smart homeowners: low-cost borrowing power, total control, and zero refinancing.
🏡 Compare HELOCs, Fixed 2nds, Reverse Mortgages & More
Pull Cash Out
Fixed Rate
Reusable Line
Appraisal Required
Time to Fund
Affects First Mortgage?
Fixed-Rate HELOC
✅ Yes
✅ Yes
✅ Yes
❌ No
✅ 5–7 Days
✅ No Refi Needed
Adjustable HELOC
✅ Yes
❌ No
✅ Yes
✅ Often
😒 21–30 Days
❌ May Require Subordination
Fixed-Rate 2nd Mortgage
✅ Yes
✅ Yes
❌ No
✅ Sometimes
😒 21–30 Days
✅ No Refi Needed
Why I Stand Behind Fixed-Rate HELOCs — Especially Now
I’ve been in this industry for over 20 years — through the housing crash, rate booms, and everything in between. And right now, the market is more volatile than I’ve seen in over a decade.
What homeowners need most in times like this is clarity, control, and cash flow safety — not another adjustable loan that resets when the Fed blinks.
That’s why I personally back this fixed-rate HELOC solution. It’s fast, transparent, 100% paperless, and it lets you access your equity without risking your low-rate mortgage or getting blindsided by rate hikes.
This is the same strategy I’d use for my own family — and the one I’d recommend for yours if you're looking to access cash responsibly, without the refinance headaches.
— Kiyoshi Inui, Founder - Solve Lending & Realty
Ready to Lock In Your Fixed HELOC?
Adjustable loans are risky. Refinancing your 3% mortgage doesn’t make sense.
You’ve built the equity. Now make it work for you — safely, simply, and quickly.
⚡ How It Works – Fast, Digital, Secure
Start with a 60-second quiz to pre-qualify (no credit pull)
Choose real fixed-rate HELOC (Amount & Term)
Sign electronically with virtual notary
Pull money out — funds can arrive in 5–7 days
🧠 What You Get — Instantly
✅ Multiple real fixed-rate offers
✅ Full rate and payment breakdown
✅ No appraisal delays
✅ Fully digital — fund in 5–7 days
❤️ Why California Homeowners Trust Solve
“Recently, I was contacted by another lender stating they could loan a certain amount based on the equity I had on one of my investments. I went through the full process with that lender, meanwhile, I was also contacted by Solve Lending but decided to stick with the original lending agency.
Well, it took about 20 something days with the original lender to come back with a lesser amount and a higher percentage, so I decided to try Solve Lending. That was the best decision I made in lending choices. Solve Lending did not require an appraisal like the other company I had wasted money on, and Solve Lending was able to close within a week with a lesser percentage and more money.
I now have the funds that I originally requested plus a few thousand more. It was quick, easy and seamless. I am hoping to do more business with Solve Lending on my other investment(s) since it was seamless. I would definitely recommend Solve Lending to anyone out there seeking funding.”
— Dorene G
Fixed-Rate HELOC FAQs
What Is a Fixed-Rate HELOC?
A fixed-rate home equity line of credit lets you borrow against your home equity with predictable monthly payments. Unlike adjustable HELOCs, your interest rate is locked for the entire draw and repayment period.
Will I Have to Refinance My First Mortgage?
No. A fixed-rate HELOC is a second-position lien. Your existing mortgage stays intact, which is ideal if you currently have a low interest rate.
How Fast Can I Get the Funds?
Most borrowers receive their funds in 5–7 business days. The process is fully digital with no in-person notary visits or appraisals required.
Do I Need an Appraisal?
No. Fixed-rate HELOCs through digital lenders like Figure typically use automated valuation models (AVMs) to assess home value — saving time and money.
Can I Draw More Than Once?
Yes. Most fixed-rate HELOCs offer a multi-year draw period. You can pull additional funds as needed during this window, all under the same fixed interest rate.
Ready to Pull Cash Out the Smart Way?
Avoid refi headaches, rate hikes, and paperwork delays.
✅ Pull cash from your equity without touching your first mortgage
✅ Choose between a flexible HELOC or one-time second loan
✅ Skip the appraisal, skip the stress — and go fully digital
Company NMLS ID: 2013271
www.nmlsconsumeraccess.org
CFL License Number 60DBO-153595 https://docqnet.dfpi.ca.gov/LicenseSearch/LicenseDetails
Equal Lender Opportunity
Equal Housing Opportunity
Company DRE ID: 02123993
www2.dre.ca.gov/PublicASP/pplinfo.asp
For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval.
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