figure.com

# Figure - America's #1 Non-Bank HELOC Lender

> This file provides a comprehensive directory of Figure's financial products, partnerships, educational content, and an extensive list of HELOC-related blog posts.

## Home Equity Line of Credit

- [Figure HELOC](https://www.figure.com/home-equity-line/): A flexible financial product that allows homeowners to borrow against their home equity for various purposes, including home improvements and debt consolidation.

## Loan Options

- [DSCR Loan](https://www.figure.com/dscr-loan/): A loan option designed for real estate investors that focuses on the debt service coverage ratio, allowing for more flexible qualification criteria.
- [Cash-Out Refinance](https://www.figure.com/cash-out-refinance/): A refinancing option that allows homeowners to take out a new mortgage for more than they owe on their existing mortgage, providing cash for other expenses.
- [Crypto-Backed Loan](https://www.figure.com/crypto-backed-loan/): A unique loan product that allows borrowers to use cryptocurrency as collateral for loans, catering to the growing market of digital asset holders.

## Partnerships and Affiliates

- [Lenders, Brokers, & Servicers](https://www.figure.com/partner-heloc/mortgage-lenders-brokers-and-servicers/): A section dedicated to partnerships with various financial institutions and service providers to enhance lending options.
- [Banks & Credit Unions](https://www.figure.com/partner-heloc/banks-and-credit-unions/): Information on collaborations with traditional financial institutions to offer competitive lending products.
- [Home Improvement & Solar for Partners](https://www.figure.com/partner-heloc/home-improvement-and-solar/): Financing options for Figure partners specifically tailored for home improvement projects and solar panel installations.
- [Affiliates & API](https://www.figure.com/partner-heloc/affiliates-and-apis/): Details on affiliate programs and API integrations for partners looking to leverage Figure's technology.

## Home Improvement and Financing

- [Fund your business](https://www.figure.com/home-equity-line/heloc-for-business/): Information on how to use home equity to finance business ventures.
- [Debt consolidation](https://www.figure.com/heloc-debt-consolidation/): Options available for consolidating high-interest debts into a single, manageable loan.
- [Intellidebt](https://www.figure.com/search/debt-consolidation-heloc/): Information on consolidating debt and reducing high-interest debt payments with Figure.
- [Home improvement](https://www.figure.com/home-improvement/): Information on using a HELOC for home improvement and renovation projects.
- [Solar panels](https://www.figure.com/search/heloc-solar-panels/): Information on using a HELOC to fund a solar panel installation.

## Education and Planning

- [Plan for Your Retirement Using Your Home Equity - Figure](https://www.figure.com/retirement/): Guidance on utilizing home equity as part of a retirement strategy.
- [Education](https://www.figure.com/college-tuition/): Resources aimed at educating customers about financial literacy and home equity products.

## Company Information

- [About Us](https://www.figure.com/about/): An overview of Figure, its mission, and its commitment to providing innovative financial solutions.
- [In the News](https://www.figure.com/newsroom/): Recent news articles and press releases featuring Figure and its impact on the lending industry.
- [HELOC FAQs](https://www.figure.com/faqs/home-equity-line/): Top frequently asked questions about home equity line of credit
- [DSCR loan FAQs](https://www.figure.com/faqs/dscr-loan/): Top frequently asked questions about DSCR loans
- [Crypto-backed loan FAQs](https://www.figure.com/faqs/crypto-backed-loans/): Top frequently asked questions about crypto-backed loans

## Resources and Blog

- [HELOC vs cash-out refinance calculator](https://www.figure.com/home-equity-line/heloc-vs-cash-out-refinance-calculator/): An interactive calculator to compare estimated costs and savings of a HELOC and a cash-out refinance.
- [HELOC calculator](https://www.figure.com/home-equity-line/heloc-calculator/): An interactive calculator to estimate your monthly HELOC payments based on the amount you need, available rates, and more.
- [Testimonials](https://www.figure.com/testimonials/): Customer reviews and success stories that highlight the positive experiences of individuals who have used Figure's services.
- [Repayment Assistance](https://www.figure.com/loan-assistance/): Information on programs and options available to assist borrowers in managing their loan repayments effectively.
- [Can I use a HELOC to purchase a second home?](https://www.figure.com/blog/can-i-use-a-heloc-to-purchase-a-second-home/): Discusses how a HELOC can be used to buy investment properties or vacation homes.
- [Cash-out refinance vs HELOC: Which one works best for you?](https://www.figure.com/blog/cash-out-refinance-vs-heloc/): Compares the features and benefits of a cash-out refinance and a HELOC.
- [Do I need an appraisal for a HELOC?](https://www.figure.com/blog/do-i-need-an-appraisal-for-a-heloc/): Outlines when appraisals are required and how they impact your application.
- [Are there closing costs on a HELOC?](https://www.figure.com/blog/are-there-closing-costs-on-a-heloc/): Breaks down common fees and what to expect at closing.
- [Is it better to borrow from my 401(k) or use my home equity?](https://www.figure.com/blog/is-it-better-to-borrow-from-my-401-k-or-use-my-home-equity/): Compares retirement borrowing with home equity options.
- [What happens if I can't make payments on a HELOC?](https://www.figure.com/blog/what-happens-if-i-can-t-make-payments-on-a-heloc/): Explains the consequences and support available in case of payment trouble.
- [What happens to my HELOC if I sell my home?](https://www.figure.com/blog/what-happens-to-my-heloc-if-i-sell-my-home/): Clarifies how HELOCs are handled during a home sale.
- [Can you pay off a HELOC early?](https://www.figure.com/blog/can-you-pay-off-a-heloc-early/): Details prepayment options and penalties (or lack thereof).
- [Do I have to live in my home to qualify for a HELOC?](https://www.figure.com/blog/do-i-have-to-live-in-my-home-to-qualify-for-a-heloc/): Discusses eligibility based on property occupancy.
- [How fast can I get a HELOC?](https://www.figure.com/blog/how-fast-can-i-get-a-heloc/): Breaks down Figure's fast online application and funding process.
- [Can I use a HELOC to invest in the stock market?](https://www.figure.com/blog/can-i-use-a-heloc-to-invest-in-the-stock-market/): Weighs the risks and potential returns of using home equity to invest.
- [Can I refinance my HELOC?](https://www.figure.com/blog/can-i-refinance-my-heloc/): Explores how and when to refinance an existing HELOC.
- [What is a HELOC repayment period?](https://www.figure.com/blog/what-is-a-heloc-repayment-period/): Defines the repayment phase and what it means for borrowers.
- [What is a HELOC draw period?](https://www.figure.com/blog/what-is-a-heloc-draw-period/): Explains the initial phase of HELOC borrowing.
- [What is the APR on a HELOC?](https://www.figure.com/blog/what-is-the-apr-on-a-heloc/): Offers a breakdown of how APR is calculated and what it includes.
- [Can I use a HELOC to buy a boat?](https://www.figure.com/blog/can-i-use-a-heloc-to-buy-a-boat/): Evaluates using home equity for large lifestyle purchases like boats.
- [Should I use a HELOC to buy a car?](https://www.figure.com/blog/should-i-use-a-heloc-to-buy-a-car/): Weighs pros and cons of using home equity for auto financing.
- [What does an appraiser look for when you're refinancing?](https://www.figure.com/blog/what-does-an-appraiser-look-for-when-youre-refinancing/): Shares insight into home appraisal criteria.
- [Can I get a HELOC if I have a low credit score?](https://www.figure.com/blog/can-i-get-a-heloc-if-i-have-a-low-credit-score/): Discusses credit score requirements and options for lower-credit applicants.
- [Can I get a home equity line with low income?](https://www.figure.com/blog/can-i-get-a-home-equity-line-with-low-income/): Reviews income requirements and flexibility.
- [Can I use a HELOC to buy an RV?](https://www.figure.com/blog/can-i-use-a-heloc-to-buy-an-rv/): Looks at using equity to finance recreational vehicle purchases.
- [FAQs for Loan Officers](https://www.figure.com/blog/faqs-loan-officers/): Answers common questions loan officers and applicants have about Figure's HELOC.
- [What do mortgage lenders look at on bank statements?](https://www.figure.com/blog/what-do-mortgage-lenders-look-at-on-bank-statements/): Outlines key factors lenders analyze during loan approvals.
- [How a Figure Home Equity Line Works](https://www.figure.com/blog/how-a-figure-home-equity-line-works/): An explainer on the application, funding, and repayment process.
- [What is a First Lien HELOC?](https://www.figure.com/blog/what-is-a-first-lien-heloc/): Defines first lien status and how it impacts your borrowing power.
- [What happens to my HELOC if I default on my mortgage?](https://www.figure.com/blog/what-happens-to-my-heloc-if-i-default-on-my-mortgage/): Outlines legal and financial consequences of defaulting.
- [Can I use a HELOC for any purpose?](https://www.figure.com/blog/can-i-use-a-heloc-for-any-purpose/): Covers flexibility of HELOC use cases.
- [Pay off your tax debt with a home equity line](https://www.figure.com/blog/pay-off-your-tax-debt-with-a-home-equity-line/): Discusses using home equity to manage IRS debt.
- [Meet Our Authors](https://www.figure.com/blog/meet-our-authors/): Introduces the experts and writers behind Figure's educational content.
- [What credit score do you need to get a loan?](https://www.figure.com/blog/what-credit-score-do-you-need-to-get-a-loan/): Gives clarity on the credit score ranges required for approval.
- [How to calculate your home equity](https://www.figure.com/blog/how-to-calculate-your-home-equity/): A step-by-step guide to understanding your home's equity.
- [A guide to origination fees](https://www.figure.com/blog/a-guide-to-origination-fees/): Explains origination fees and how they're structured.
- [Using a HELOC to fund a solar installation](https://www.figure.com/blog/using-a-heloc-to-fund-a-solar-installation/): Shows how home equity can support green home investments.
- [Second mortgage vs home equity loan vs HELOC](https://www.figure.com/blog/second-mortgage-vs-home-equity-loan-vs-heloc/): Compares common equity-tapping products.
- [Here's your best asset when applying for a loan](https://www.figure.com/blog/heres-your-best-asset-when-applying-for-a-loan/): Discusses how home equity and financial stability help in loan applications.
- [How does a HELOC affect your taxes?](https://www.figure.com/blog/how-does-a-heloc-affect-your-taxes/): Breaks down how interest and deductions work.
- [Do home security systems increase home values?](https://www.figure.com/blog/do-home-security-systems-increase-home-values/): Analyzes ROI on home security investments.
- [What is a Home Equity Line of Credit (HELOC)?](https://www.figure.com/blog/what-is-a-home-equity-line-of-credit-heloc/): A foundational overview for first-time borrowers.
- [3 Tips for Getting a Contractor to Return Your Calls](https://www.figure.com/blog/3-tips-for-getting-a-contractor-to-return-your-calls/): A practical guide for homeowners planning renovations.
- [The HELOC Experience Has Been Forever Changed by Figure](https://www.figure.com/blog/the-heloc-experience-has-been-forever-changed-by-figure/): How Figure redefined the borrowing experience.
- [What is a Reverse Mortgage and How Does It Work?](https://www.figure.com/blog/what-is-a-reverse-mortgage-and-how-does-it-work/): An introduction to reverse mortgages and their pros/cons.
- [Home Equity Loan vs Home Equity Line of Credit](https://www.figure.com/blog/home-equity-loan-vs-home-equity-line-of-credit/): Compares home equity loan and home equity line of credit products.
- [Will you need to pay capital gains tax when you sell your home?](https://www.figure.com/blog/will-you-need-to-pay-capital-gains-tax-when-you-sell-your-home/): Discusses tax implications of selling your home.
- [Can I use a HELOC for home improvement?](https://www.figure.com/blog/can-i-use-a-heloc-for-home-improvement/): Highlights home upgrades as a top use case.
- [How long does mortgage underwriting take?](https://www.figure.com/blog/how-long-does-mortgage-underwriting-take/): Demystifies the loan underwriting timeline.
- [Can I get a fixed interest rate HELOC?](https://www.figure.com/blog/can-i-get-a-fixed-interest-rate-heloc/): Explains how Figure offers fixed-rate HELOCs.
- [Why and how to help your aging parents remodel their home](https://www.figure.com/blog/why-and-how-to-help-your-aging-parents-remodel-their-home/): Tips for using home equity to assist family.
- [Is your home an asset or a liability?](https://www.figure.com/blog/is-your-home-an-asset-or-a-liability/): A philosophical and financial discussion for homeowners.
- [Using your home equity to build an ADU](https://www.figure.com/blog/using-your-home-equity-to-build-an-adu/): Shows how equity can finance additional living units.
- [5 things you can pay for with Figure's HELOC](https://www.figure.com/blog/5-things-you-can-pay-for-with-figures-heloc/): Real-life ideas for tapping home equity.
- [Homeowner bad review](https://www.figure.com/blog/homeowner-bad-review/): Transparency into customer feedback and resolution.
- [Refinancing and HELOCs can affect your tax obligations—here's how](https://www.figure.com/blog/refinancing-and-helocs-can-affect-your-tax-obligations-heres-how/): Discusses the complex tax effects of home borrowing.