HomePilot
You already know Aven. Get it at wholesale, through HomePilot.
HomePilot, NMLS 2752340. Checking your offer will not affect your credit score. Terms and availability vary by borrower, property, and state.
Why get the Aven HELOC through HomePilot
Everyone can go straight to Aven. Here is what coming through us changes.
Wholesale pricing, passed to you
Aven is offered direct to consumers and at wholesale through licensed brokers like us. We access the wholesale side and pass the savings on, so the same Aven line can cost you less through HomePilot.
A real loan officer, not just an app
You get a dedicated loan officer and the HomePilot team from your first question through funding. We know when a HELOC is the right move and when a cash-out refinance beats it.
Your whole picture, one team
We already handle first mortgages. That means we can weigh this line against your rate, your equity, and your goals, and point you to the option that actually wins.
Not ready for the full application?
Get your rate range and a loan officer who texts back. We answer questions, run your numbers, and you apply only when it makes sense.
By submitting you agree to be contacted by a HomePilot loan officer by phone or email. We never sell your information. No credit pull at this stage.
Put your equity to work
How it works
Check your offer
Answer a few questions on Aven's secure flow. No hard credit pull to see your line and your rate, and income verification is digital too: link your accounts or use bank statements, which works well for self-employed borrowers.
Get your line
Approved lines run from $5,000 up to $1,000,000, secured by your home equity.
Draw as a card or cash
Use it like a card, or move cash to your bank. Draw again anytime in your five-year draw period, with no fee on later draws.
Fixed, predictable payments
Your draws carry a fixed rate and a set term, so you always know the payment.
Why Aven
Card access to your equity
The Aven line works like a card, so your equity is there when you need it.
No fees on subsequent draws
Draw again during your draw period without paying a fee each time.
Aven covers signing and title costs
In-person signing and title insurance costs are covered by Aven, not billed to you.
First or second lien
Keep your first mortgage in place with the line as a second lien, or use it in first position.
Pay off other debt to qualify
Credit cards, personal, student, and auto loans can be paid off and counted to help you qualify.
Lines up to $1,000,000
Owner-occupied homes can qualify for combined loan-to-value up to 89 percent.
Second homes and investment properties
Not just your primary. Non-owner-occupied homes can qualify for lines up to $250,000 at up to 75 percent combined loan-to-value.
Not sure a HELOC is the winning move?
If your first mortgage carries a high rate, one new cash-out loan can beat stacking a line on top. We compare both before you pick.
Questions, answered
See your offer in minutes
No hard credit check to look. Available to homeowners in Arizona, California, Colorado, Florida, and Texas.
Aven is the lender and issuer of the Aven HELOC. HomePilot is a licensed mortgage broker (NMLS 2752340) that introduces borrowers to Aven and does not make credit decisions. This is not a commitment to lend. All lines, rates, terms, and approvals are determined by Aven and are subject to underwriting, credit, income, property, and state eligibility. Available to homeowners in Arizona, California, Colorado, Florida, and Texas. Checking your offer will not affect your credit score. Equal Housing Opportunity.