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For big changes and big projects

What's next on your list? We'd absolutely love to help you get there. From kitchen do-overs to tropical vacations, consider a Home Equity Line of Credit (HELOC).

Apply Online HELOC Disclosure

Extra low payments

For those that qualify, payments are interest-only during the draw period.

No pre-payment penalties

Finish your remodel early? Don’t worry. We won’t ding you for that.

Funds for anything under the sun

Maybe your real dream project is fixing up classic cars.

We received a HELOC for home improvements. It went very smoothly and was completed in a timely manner. Everyone we worked with was very informative and cordial. Awesome to work with. 10 out of 10 stars for me. They are the best.

Steve W.

Here's how it works


Apply online

Start filling out your loan application right here. We'll review and get back to you as soon as possible.


Get approved

Get approved for a generous amount of funds, but only pay interest on what you actually borrow.


Borrow as needed

Borrow what you want from your credit line. As you pay back what you borrow, more credit becomes available.

Frequently Asked Questions

Zing offers free online e-courses that provides information about mortgages and home ownership.  Visit our e-course page today. 

One business day.

You can borrow up to 85% of the value of the home.

A HELOC works by allowing you to borrow against the equity in your home. Unlike a second mortgage, a HELOC acts similar to a credit card where you can borrow funds as you need them instead of receiving one lump sum of money.

Yes. They may provide you with a list of documents, and then they will give you the contact information to one of our expert mortgage loan officers.

HELOC Disclosures

All loans are subject to credit and collateral approval, as well as income verification and employment verification.  HELOCs only available on primary dwellings.  Not available on rental or investment properties. Max line of credit is $150,000.