Texas Homeowners · Your First Mortgage Rate Stays Untouched

Stop Paying 25–30% Interest.
Your Equity Can Fix That.

Texas homeowners with built-up equity are consolidating high-interest debt into a HELOC at a fraction of the rate — without touching their first mortgage. Apply in 15 minutes.

Your low mortgage rate stays untouched
Replace credit card rates with home equity rates
100% digital · no branch visits
640+ credit score · primary residence
📅 Book a Free Call with Alberto 📊 Calculate My Savings First

Want to apply directly? Apply Now — takes 15 minutes →

15 min
To Apply
$500K
Max Line
640+
Min Credit
80%
Max CLTV
2nd Lien
Rate Stays Safe
Is This Right For You?

Built for Texas Homeowners With Equity

If you locked in a low rate and have built up equity, this HELOC lets you access cash without touching your first mortgage.

💳

High-Interest Debt

Credit cards, personal loans, medical bills at 20–25%? Consolidate into a much lower HELOC rate and free up real monthly cash flow.

🏠

Low First Mortgage Rate

You got a great rate — don't give it up. A HELOC sits as a second lien, so your 3–4% first mortgage stays completely intact.

🔨

Home Improvements

Kitchen, bath, ADU or guest house — invest in your property and increase its value using the equity you've already built.

🎓

Big Life Expenses

College, medical, business investment, or emergency cushion — your equity is ready when life calls for it.

Simple Process

How the Equity Access HELOC Works

100% digital — no branch visits. Texas 50(a)(6) law requires a 12-day disclosure period + 3-day rescission, so plan for roughly 3 weeks total. Alberto walks you through every step.

1

Apply in 15 Min

Complete a fully digital application from your phone or laptop. Fast, simple, and secure.

2

Get Pre-Qualified

Often the same day. Alberto reviews your equity, credit, and income to confirm your line amount and rate.

3

12-Day Disclosure Period

Texas law requires all borrowers and spouses to receive and sign disclosures at least 12 days before closing can occur.

4

Close & Draw Funds

Close at a local title company. After a 3-business-day rescission period, your line is open and ready to use.

Program Highlights

Why the Equity Access HELOC Stands Out

Flexible access, competitive rates, and a fully digital process designed for Texas homeowners.

💰

Keep Your First Mortgage Rate

This is a second lien. Your existing mortgage rate and payment remain completely unchanged — no refinance, no rate reset.

📱

100% Digital Application

Apply, upload docs, and review entirely online. Optimized for mobile — no office visits required.

🔄

Revolving Line of Credit

Draw what you need, pay it down, draw again. Flexible access throughout your draw period at a fraction of credit card rates.

🏡

Up to 80% CLTV

Lines from $25,000 to $500,000. No prepayment penalties. Primary Homestead residences only.

📊

640 Minimum Credit Score

Accessible to most qualifying Texas homeowners. Property must be primary residence with active Homestead exemption, 10 acres or less.

🤝

100+ Wholesale Lenders

As an independent broker, Alberto shops the wholesale market — not just one bank's sheet. You get competing options, not a take-it-or-leave-it quote.

Put It To Work

What Will You Use Your Equity For?

Texas homeowners are using the Equity Access HELOC to take control of their finances:

Consolidate high-interest credit card debt
Pay off personal loans & medical bills
Kitchen, bath & home renovations
Build an ADU / guest house for rental income
Fund college tuition or education costs
Emergency financial cushion / reserve
Business investment or real estate
Wedding, travel, or major life events
HELOC Savings Calculator

See What a HELOC Could Save You

Enter your debts and home details. Get your estimated monthly savings instantly — no email required, no credit pull. We've pre-filled today's estimated rate; Alberto will confirm your actual rate after reviewing your profile.

Add your high-interest debts. We've pre-filled common amounts — adjust to match yours.

Your Broker

Why Work With Alberto?

Alberto Moravia — Beto the Broker
NMLS #1956260 · Verified

Alberto Moravia — known as Beto the Broker — is a licensed mortgage broker, TREC Certified Instructor, and active real estate investor based in San Antonio, TX.

As an independent broker at Edge Home Finance LLC, Alberto shops across 100+ wholesale lenders to find the best rate for your situation — not whatever one bank is pushing this month. He'll tell you straight if a HELOC isn't the right move.

Fluent in English, Español & Português. Serving all of Texas.

🎓 TREC Certified Instructor 🏗️ Fix & Hold Investor 🤠 San Antonio, TX 🌎 EN · ES · PT ✅ NMLS #1956260

Ready to Access Your Equity?

Apply in 15 minutes. Alberto reviews same-day and will reach out with your actual rate and options — no obligation, no pressure.

📅 Book a Free Call with Alberto ⚡ Apply Now — 15 Minutes

Or call/text: (808) 551-8045  ·  [email protected]

Clicking "Apply Now" opens the secure HELOC application portal at nftydoor.com, operated by REMN Wholesale. You will leave betothebroker.com.

Texas 50(a)(6) Requirements

Important Texas HELOC Rules

Texas has unique constitutional protections for homeowners. Here's what every applicant needs to know before applying.

Texas Constitutional Requirements
✓
12-Day Disclosure Period: Texas law requires all borrowers and spouses receive required disclosures at least 12 calendar days before closing. Clock starts from the date disclosures are received — not the application date.
✓
2.00% Max Origination Fee: Texas caps origination fees at 2.00% of the loan amount. This is a constitutional limit — no exceptions.
✓
One 50(a)(6) at a Time: If you have an existing 50(a)(6) home equity loan, a new HELOC cannot be originated until the existing one is paid off and closed.
✓
Property Must Be Under 10 Acres: The subject property must be 10 acres or less. Larger rural tracts do not qualify under 50(a)(6).
✓
Primary Residence Must Be a Homestead: Only properties with an active Texas Homestead exemption qualify. Must be your primary residence.
✓
12-Month Seasoning: A new home equity loan cannot be obtained if you've had one closed within the last 12 months on any property you own.
Common Questions

HELOC FAQ

Will this affect my first mortgage rate or payment? +
No. A HELOC is a separate second lien. Your first mortgage rate, payment, and terms remain completely unchanged. This is the key advantage over a cash-out refinance — you access your equity without giving up your original rate.
How long does the process take in Texas? +
Plan for approximately 3 weeks from application to funding. Texas law requires a 12-day mandatory disclosure period after all borrowers and spouses sign the Extension of Credit, plus a 3-business-day right of rescission after closing before funds are released. Alberto will keep you updated throughout every step.
What's the minimum credit score? +
The minimum credit score for the Equity Access HELOC is 640. Your property must be a primary residence with an active Texas Homestead exemption, 10 acres or less, and valued at $100,000 or more. Contact Alberto to discuss your specific situation.
How much can I borrow? +
Up to 80% CLTV (combined loan-to-value) of your home's appraised value, minus your existing mortgage balance. Lines are available from $25,000 to $500,000. Use the savings calculator above to estimate your available equity.
Is the HELOC rate fixed or variable? +
The Equity Access HELOC carries a variable rate tied to the WSJ Prime Rate plus a margin. Your rate can change as Prime Rate changes. Contact Alberto for today's current rate and to understand how potential rate movements could impact your payment.
Can I pay it off early without a penalty? +
Yes. There are no prepayment penalties. You can pay down your balance any time, and your available credit line replenishes as you pay it down during the draw period.
Does Alberto serve all of Texas? +
Yes. Alberto is licensed statewide in Texas. The entire process is 100% digital — San Antonio, Austin, Houston, Dallas, or anywhere in the state. No office visits required.