Park Place Lending LLC — HELOC
Home Equity at the
Speed of NOW
Digital home equity line of credit—apply online in minutes. Keep your current low interest rate first mortgage and get fast access to funds.
Cash Out
Quick Funding
Build ADU
Debt Consolidation
See your personalized offer in minutes with no impact to your credit score.
Fast Access to Fund
Faster than most bank
Competitive Rates
Contact us for current rates
Easy Online Process
Apply in minutes, no paperwork
Human-to-Human Support
Mortgage experts ready to help
Fast Access to Fund
Faster than most bank
Rates as Low as 8.5% APR*
Competitive low borrowing costs
Easy Online Process
Apply in minutes, no paperwork
Human-to-Human Support
Mortgage experts ready to help
Simple Process
Get funded in 4 easy steps
Our streamlined digital process removes the traditional HELOC headaches. No stacks of paperwork. No waiting weeks for an answer.
Apply Online
Complete our simple online application in minutes. No branch visit required.
Get Approved
Our digital verification technology reviews your application fast—see your offer in minutes.
E-Sign & Close
Review your terms, e-sign your documents, and close from the comfort of your home.
Access Your Funds
Draw funds as you need them. Pay interest only on what you use.
Why Park Place Lending
Everything you need.
Nothing you don't.
We built our HELOC process around one goal: getting you fast, affordable access to your home's equity without the traditional bank runaround.
Faster Than Most Banks
Our streamlined digital process means you get access to your equity quickly, without weeks of waiting.
Keep Your First Mortgage Rate
Access your equity without touching your existing low-rate first mortgage. Your current terms stay intact.
Low Borrowing Costs
HELOC rates are typically far lower than credit cards or personal loans. Save more on every payment — contact us for current rates.
Real Humans Behind the Tech
Our mortgage experts are available every step of the way. Tech-powered, human-supported.
Rates & Terms
Competitive rates. Maximum flexibility.
Access up to 85% of your home's equity with terms designed to fit your financial goals.
Competitive
HELOC Rates
HELOC rates are typically far lower than credit cards or personal loans. Contact us for current rates.
85%
Max Combined LTV
Access up to 85% of your home's appraised value, combined with your first mortgage balance.
10yr
Draw Period
Flexible 10-year draw period with interest-only payments. Borrow what you need, when you need it.
Rates and terms are subject to change without notice. Contact us for current rates. Not all applicants will qualify.
How Homeowners Use It
Put your equity to work
Your home's equity is one of your most powerful financial assets. Here's how our customers are using their HELOC.
Home Improvements
Renovate & Add Value
Fund kitchen remodels, bathroom upgrades, additions, or landscaping projects that increase your home's value.
Debt Consolidation
Eliminate High-Rate Debt
Replace high-interest credit card balances and personal loans with a single, low-rate HELOC payment.
Major Purchases
Fund Life's Big Moments
Cover college tuition, medical expenses, a vehicle, or any major expense at a fraction of the cost of other financing.
Why Trust Us
Built for homeowners.
Backed by experts.
Park Place Lending LLC combines cutting-edge technology with experienced mortgage professionals to deliver a HELOC experience unlike anything you've seen from a traditional bank.
No Appraisal Required on Most Loans
Skip the wait and cost of a traditional appraisal on qualifying properties. Eligibility determined at time of application.
Access Up to 85% of Your Home's Equity
Maximize the value of your most important asset with high combined LTV options, subject to credit approval and qualifying loan criteria.
100% Digital — Apply Anywhere, Anytime
Our online platform is designed to minimize paperwork and branch visits. Some steps may require third-party coordination.
No Impact to Your Credit Score to Check Rates
See your personalized offer with a soft pull—zero risk to your credit.
Customer Stories
Real homeowners. Real results.
See why homeowners across the country choose Park Place Lending for their HELOC needs.
★★★★★
"The process was shockingly fast. I applied on a Tuesday and had my funds available by the end of the week. Park Place made it completely painless."
Sarah M.
Austin, TX — Home Renovation
★★★★★
"I used my HELOC to consolidate $40k in credit card debt. My monthly payments dropped by over $800. The online application took less than 10 minutes."
Marcus T.
Phoenix, AZ — Debt Consolidation
★★★★★
"I was nervous about the process but the team at Park Place walked me through every step. No appraisal needed, no hassle. Exactly what they promised."
Jennifer R.
Denver, CO — Major Purchase
FAQ
Frequently asked questions
Have questions? We have answers. If you don't see yours here, our team is a click away.
What is a HELOC and how does it work?
A HELOC (Home Equity Line of Credit) is a revolving line of credit secured by your home's equity. Unlike a traditional loan, you draw funds as needed during the draw period and only pay interest on the amount you use. It works similarly to a credit card but at a much lower interest rate.
Will checking my rate affect my credit score?
No. When you check your rate with Park Place Lending, we perform a soft credit inquiry which has zero impact on your credit score. A hard pull only occurs if you choose to proceed with a full application.
How much can I borrow with a HELOC?
You can access up to 85% of your home's appraised value, minus your existing mortgage balance (Combined Loan-to-Value). For example, if your home is worth $400,000 and you owe $250,000, you may qualify for a HELOC of up to $90,000.
Do I need an appraisal to get a HELOC?
On most qualifying loans, no appraisal is required. Our digital valuation technology can determine your home's value instantly, saving you time and money compared to traditional lenders that require a full appraisal.
How long does the HELOC process take?
Our digital process is significantly faster than traditional banks. You can see your personalized offer in minutes after applying. Closing timelines vary, but our streamlined process is designed to get you funded as quickly as possible.
What can I use my HELOC funds for?
You can use HELOC funds for virtually any purpose: home improvements and renovations, debt consolidation, major purchases, education expenses, medical bills, or any other financial need. There are no restrictions on how you use the funds.
Your equity is ready.
Are you?
Apply online in minutes. Start your application with no impact to your credit score. Our mortgage experts are standing by.
No impact to your credit score • No appraisal required on qualifying loans • Start your application in minutes
HELOC
• Fix & Flip Loans
• DSCR Loans
Equal Housing
Opportunity
Park Place Lending LLC • 9100 Conroy Windermere Road, Suite 200, Windermere, FL 34786 • 407-815-5220
NMLS #2517975 • NMLS #2519791 • NMLS Consumer Access
© 2026 Park Place Lending LLC All rights reserved. Loans are subject to credit approval. Rates and terms are subject to change without notice. Not all applicants will qualify. This is not a commitment to lend. A HELOC is a revolving line of credit secured by your home. Your home is collateral and could be at risk if you fail to make payments. Testimonials reflect individual experiences and may not represent typical results.