The fastest path to your idle equity — as fast as 10 days.

Through Tom's partnership with Aven, eligible homeowners can access home equity through a HELOC-backed Visa card — funded in as fast as 10 days, with rates based on your credit and equity, and no traditional closing process.

Check Your Aven Offer Ask Tom a Question

Traditional HELOCs can take weeks to fund between appraisals, underwriting, and closing paperwork. For homeowners who want to put idle equity to work quickly — for a renovation, debt consolidation, or simply having it available — that timeline is often the biggest obstacle.

Aven's Home Equity Visa Card is built differently: it's a home-equity-backed credit line that works like a card. You can spend directly on the card or draw cash to your bank account, and because underwriting is streamlined and largely automated, funding can happen in as fast as 10 days rather than the 30-45+ days a traditional HELOC often takes.

The card is issued by Coastal Community Bank (Member FDIC) through Aven Financial, Inc. (NMLS #2042345), and carries a variable APR based on your credit profile and available equity — competitive with, and often below, standard HELOC and credit card rates, since it's secured by your home.

Tom originates this program through Answer Home Lending, the same as every program on this site. As a mortgage broker, Answer Home Lending doesn't fund or underwrite loans in-house — applications are submitted to and funded by the lender that fits the program, which for this product is Aven, working through Coastal Community Bank, Member FDIC.

Highlights

What makes this program work.

Speed

Funding in as Fast as 10 Days

Streamlined, largely automated underwriting means significantly faster access to funds than a traditional HELOC closing process.

Format

Spend or Draw Cash

Use the card directly for purchases, or draw funds straight to your bank account — your choice, same credit line.

Rewards

Unlimited 2% Cash Back

Every purchase earns 2% cash back, redeemable as a statement credit — a benefit standard HELOCs don't offer.

Rate

Credit & Equity-Based Pricing

Variable APR determined by your creditworthiness and available equity — competitive with traditional home equity products.

No Traditional Closing

Skip the Standard HELOC Process

No traditional in-person closing process — the application and funding happen through Aven's digital platform.

Revolving Access

Reusable as You Repay

As you pay down the balance, that portion of your credit line becomes available to borrow again.

Good Fit If

Is this the right fit?

You have meaningful, documented equity in a California home
You want funding quickly — not a multi-week traditional HELOC process
You're comfortable with a variable, credit-based rate secured by your home
You'd use the funds for a renovation, debt consolidation, or want flexible standby access to equity

Common Questions

What borrowers ask about this program.

Is this a loan from Answer Home Lending?

Yes — Tom originates this through Answer Home Lending, just like the other programs on this site. Answer Home Lending is a mortgage broker, which means loans aren't funded or underwritten in-house; Tom originates and hands off your application to the lender that fits the program — for this product, that's Aven, working through Coastal Community Bank, Member FDIC.

How fast is funding really?

Aven's streamlined underwriting can fund eligible applicants in as fast as 10 days, well ahead of a typical multi-week HELOC closing — though your actual timeline depends on your documentation and Aven's underwriting.

Is my home actually at risk with this?

Yes — like any HELOC or home equity product, this credit line is secured by your home. Falling significantly behind on payments carries the same foreclosure risk as a traditional HELOC or mortgage. It's worth using deliberately, not as a substitute for a standard credit card.

What rate will I get?

Rates are variable and based on your credit profile and available equity, set by Aven at the time of application — confirm your specific rate directly through the application, since it will depend on your individual qualification.

Ready to talk through your scenario?

Tom will walk you through real numbers for your situation — no pressure, no obligation.

Check Your Aven Offer