Three Day Home Equity Loan powered by Honest Casa
As fast as 3–5 day close* Check My Rate

A home equity loan that funds in days, not weeks.

Banks quote 30–45 days for home equity lending because their process was designed on paper. This one wasn't: apply in about 5 minutes, close 100% online with an eNotary, draw your full amount at closing, and get funded in as little as 3 days after approval.*

Draw 100% of your amount at closing — works like a classic home equity loan
No tax returns or W-2s — income verified from bank statements
No in-person appraisal on loans under $400K
Funded in as little as 3 days*After approval and closing
~5 minute application100% online, no SSN to start
eNotary closingSign from your kitchen table
Up to $750,000Drawn in full or as needed
Your offer is 60 seconds away 0%

How much cash do you need?

Drag the slider — you can draw the full amount at closing. Check your rate as of .

$100,000

Available upfront, like a home equity loan

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

Let's estimate your available equity

Your best guess is fine — no documents needed yet.

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

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

What's the cash for?

Speed matters most when there's a deadline — this helps us prioritize.

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.

3 days*
From final approval to money in your account — the timeline everything here is built around
~5 min
Typical time to complete the application
0 office visits
100% online, including the notary
Up to $750K
Draw it all at closing, or keep it on tap

Approval to funded on a 3-day clock

Here's what the timeline actually looks like once you're approved — every step that takes banks weeks happens online, in hours.

01

Day 1 — Apply & verify

Check your rate in ~5 minutes (soft pull, no SSN), pick your offer, and verify identity and income online. Bank statements replace tax returns; a digital valuation replaces the appraiser on loans under $400K.

Day 1
02

Day 2 — Close with eNotary

Review your final terms and eSign your closing documents with an online notary — no office, no scheduling a week out, no printer.

Day 2
03

Day 3 — Get funded

Once your loan closes, funds can be disbursed straight to your bank account in as little as 3 days after approval.* Draw the full amount at once if you need it all now.

Day 3*

Why borrowers in a hurry choose Three Day Home Equity Loan

Speed is the whole design

Automated valuation, bank statement verification, instant identity checks, and eNotary closing — every slow step of traditional home equity lending has been replaced with a same-day equivalent.

Full amount at closing

Need all the cash now? Draw 100% of your line at closing, just like a classic home equity loan. Then, as you repay, the line stays available for the next thing — no new application.

Your first mortgage stays put

This is second-position lending: your existing mortgage — and its rate — is untouched. You get cash-out-refi money without the cash-out-refi reset or the 45-day escrow.

Paperwork measured in minutes

No tax returns, no W-2s, no appraisal visit under $400K, and no SSN just to see your rate. Most applicants finish the application in about 5 minutes.

Three Day Home Equity Loan vs. the slow lane

When the roof is leaking or the opportunity is closing, the timeline is the product.

Three Day Home Equity LoanRECOMMENDEDBank home equity loanCash-out refi
Typical time to funding As little as 3 days* 2–6 weeks 30–45 days
Application time ~5 minutes Days of paperwork Days of paperwork
In-person appraisal Not under $400K Usually required Usually required
Closing 100% online eNotary Branch or mobile notary Escrow appointment
Keeps your current mortgage rate Yes Yes No
Full amount available at closing Yes Yes Yes
Redraw as you repay Yes No No

Frequently asked questions

Is this a home equity loan or a HELOC?
Technically it's a home equity line of credit — which is better than a traditional home equity loan for most borrowers, because it does everything a home equity loan does and more. You can draw 100% of your amount at closing (exactly like a home equity loan), and unlike one, the line replenishes as you repay, so future draws during your draw period need no new application.
Is 3 days from application, or from approval?
From final approval and closing to disbursement. The full journey — application, verification, offer selection, closing — is designed to run in days too: the application takes ~5 minutes, verification is automated, and closing is done online with an eNotary. Overall timing varies by state (including any rescission periods), property type, and how quickly verification steps are completed.
What makes it so much faster than a bank?
Four substitutions: a digital valuation replaces the appraiser visit (under $400K), bank statement analysis replaces manual income-document review, automated identity verification replaces in-branch checks, and an online notary replaces the closing appointment. None of these cut corners — they cut waiting.
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?
From $15,000 up to $750,000, depending on your available home equity, credit profile, income, and state. The form above gives you a quick estimate.
Do I need tax returns or W-2s to qualify?
No. Income can be verified directly from your bank statements through a secure, read-only connection — no tax returns or W-2s required. It's especially well suited to self-employed borrowers.
Do I need an appraisal or my Social Security number?
For loans under $400,000, no in-person appraisal is required — valuation is completed digitally. Larger loans may require additional valuation steps. No Social Security number is required to check your rate.
What happens after I submit the form?
You'll be taken straight to the secure online application, and you'll receive an email from West Capital Lending with a link to create your account. From your account you can view your offer, pick your amount, rate, and term, and complete verification — all online.
Who is the lender?
Three Day Home Equity Loan is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

The money is already in your house. Get it out this week.

Check your rate in minutes — funding in as little as 3 days after approval.*

Start My 3-Day Clock
Check My Rate in Minutes