Tap your home equity. Keep your low rate.
A HELOC sits on top of your existing mortgage so your low rate stays put. Pull cash from the equity you've already built, without refinancing the loan you love.
Eligible on primary residences and investment properties. No impact to your credit.
Apply in 5 seconds, approved in 5 minutes, and get your money in 5 days. No pressure.
Don't lose your rate
Why give up a low rate mortgage to borrow at today's rates?
A cash-out refi rewrites your whole loan. A HELOC doesn't. Here's the side-by-side.
Replaces your whole mortgage at today's rate.
- - Your low original rate disappears.
- - Full closing costs on the entire balance.
- - New 30-year clock starts over.
Keeps your low rate. Adds a separate loan on top.
- Your first mortgage stays exactly as-is.
- Full payout at close with no partial draws.
- Redraw as you pay it down.
Equity teaser
See what your home could unlock.
Quick estimate with no credit pull, no email, no spam.
Why a HELOC
The smart way to use what you’ve already built.
Keep your low rate
Your first mortgage doesn’t move. The HELOC sits on top.
Full payout, flexible redraw
Take the full line at close. Pay it down. Redraw when you need it.
Use it for what matters
Renovations, debt payoff, investing, emergencies. Your call.
Zero out-of-pocket costs
No appraisal. No upfront closing costs. No title costs.
How it works
Three steps. Real money. Quick.
See your options with no credit impact
Soft check only. Securely connect your bank in seconds and we calculate your income automatically. Zero hit to your credit score.
Pick your offer, then we verify
Choose your term (10, 15, 20, or 30 years) and fixed or variable rate. Only when you agree do we run a standard credit inquiry.
Receive, repay, redraw
Full payout at close in under 5 days. Pay it down, pull it again.
Meet the team
Danny Lotenberg & the Got Mortgages team.
Led by Danny Lotenberg, the PRMG Got Mortgages team is a top-ranked lender that has helped thousands of homeowners across all 50 states unlock the equity in their homes without giving up the low first-mortgage rate they worked hard to lock in.
The team is recognized as a top 1% lender nationally. Danny and his team built this HELOC platform to make tapping equity feel as simple as it should be: fast, transparent, and on your terms.
“Your low rate is an asset. We built Danny Closes Helocs so you never have to trade it away to access your equity.”
“Kept my 2.875% rate and still pulled cash to finish the basement. Closed faster than I expected.”
“Wiped out three credit cards. The funds are there when I need them. Process was painless.”
“Funded in four days. No appraisal visit. That part still surprises me.”
FAQ