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HOME EQUITY AT THE SPEED OF 2024

Digital home equity line of credit—apply online in minutes

Unlock Your Offer

Review your estimated available equity and rates in minutes - all with no impact
to your credit score.

Fast access to funds

Easy online loan process

Rates as low as 8.25% APR

Human-to-human support



Helping homeowners make smart money moves

With a digital home equity loan from Hitch, you can level up your financial
health and peace of mind by leveraging your single greatest asset:
Your home.

Home Improvements

Use the equity you’ve earned to improve your home's value and your lifestyle.

Debt Consolidation

Save thousands on high interest credit card payments and start building wealth.

Major Purchases

Make your biggest dreams happen now by tapping into your home’s equity.

Get Started

See your personalized offer in minutes with no impact to your credit score

THE AVERAGE HOMEOWNER HAS

$217,000

of home equity that they can use to cheaply consolidate debt, fund home
improvement projects, and use for any expenses


CUSTOMER SERVICE IS OUR TOP PRIORITY!

Rating

4.9



Dawnmarie Lambert




Hitch was fantastic! I had tried at least five other places to get an equity
loan on a rental property with no luck. Dealing with Hitch (Erick was my
contact) was a stress free process. I was treated with respect and all
communication was very quick and through.

a month ago

William Neuhauser




I've never had experience with a HELOC before so when I had questions, it was
helpful that Zachary answered the phone every time I called and was ready to
give answers. We got the deal closed and finalized. I would recommend to anyone.

a month ago

Tyler DeWesse




I really enjoyed working with Zach, he got me set up quickly and very
professionally. The loan worked and with great terms!

a month ago

Hitch Digital HELOC

Home equity that keeps up with your dreams.

Easy

application process

Painless online process - see your available equity and rates in minutes

Fast

access to funds

Streamlined process that's much faster than most banks

Digital

Verification

Hitch uses state of the art digital verifications to help speed up the
application

Low

borrowing costs

Lower rates than credit cards and personal loans

Flexible

funding options

Access up to 95% of your home's equity

Human-to-human

support

A dedicated loan officer to see you through it all

Get Started

Technology with a human touch

The Hitch Difference

Driven by technology, we've built the best lending experience possible so you
can build the best future possible.

Hitch Home Equity Loan

Cash Out Refinance

Fast Access to Cash


Painless online application process


Loans from $25,000 - $500,000


Est. time to get pre-qualified3 minutesdaysKeep low 1st mortgage interest rate &
loan terms


Max loan amount95% of your home equity80% of your home equityAbility to redraw
cash when needed


Number of headaches causednonecountless

FAQ

What is a HELOC?

A home equity line of credit, also known as a HELOC, is a line of credit secured
by your home that gives you a revolving credit line to use for large expenses or
to consolidate higher-interest rate debt on other loans such as credit cards.
With a HELOC you’re borrowing against the available equity in your home and the
house is used as collateral for the line of credit. As you repay your
outstanding balance, the amount of available credit is replenished – much like a
credit card.

What is a variable rate?

How can I use my HELOC?

How is my equity calculated?

How is my home's value determined?

How is the maximum combined loan to value calculated?

Recognized by Fintech Leaders



Home equity has officially left the bank.

Harness the power of Hitch.

Unlock Your Offer

Hitch, Inc. NMLS #2383367 #2383367

2158 NW Toussaint Drive. Bend, Oregon 97703

FAQ

NMLS Consumer Access

Privacy

Terms

Licensing

1. Qualified applicants may borrow up to 95% of their home’s value. This does
not apply to investment properties.

2. HELOCs have a 10-year draw period. During the draw period, the borrower is
required to make monthly minimum payments, which will equal the greater of (a)
$100; or (b) the total of all accrued finance charges and other charges for the
monthly billing cycle. During the draw period, the monthly minimum payments may
not reduce the outstanding principal balance. During the repayment period, the
borrower is required to make monthly minimum payments, which will equal the
greater of (a) $100; or (b) 1/240th of the outstanding balance at the end of the
draw period, plus all accrued finance charges and other fees, charges, and
costs.The lender will calculate this amount by taking the outstanding Account
Balance on the last day of the draw period and dividing it by 240 months and
then adding any finance charge that accrues but remains unpaid during the
monthly billing cycle plus any other fees, charges and costs to the fixed
principal payment that is due. During the repayment period, the monthly minimum
payments may not, to the extent permitted by law, fully repay the principal
balance outstanding on the HELOC. At the end of the repayment period, the
borrower must pay any remaining outstanding balance in one full payment.

3. The time it takes to get cash is measured from the time the Lending Partner
receives all documents requested from the applicant and assumes the applicant’s
stated income, property and title information provided in the loan application
matches the requested documents and any supporting information. Most borrowers
get their cash on average in 21 days. The time period calculation to get cash is
based on the first 4 months of 2024 loan funding's, assumes the funds are wired,
excludes weekends, and excludes the government-mandated disclosure waiting
period. The amount of time it takes to get cash will vary depending on the
applicant’s respective financial circumstances and the Lending Partner’s current
volume of applications. Closing costs can vary from 3.0 - 5.0%. An appraisal may
be required to be completed on the property in some instances.

4. Not all borrowers will meet the requirements necessary to qualify. Rates and
terms are subject to change based on market conditions and borrower eligibility.
This offer is subject to verification of borrower qualifications, property
evaluations, income verification and credit approval. This is not a commitment
to lend.

5. The content provided is presented for information purposes only. This is not
a commitment to lend or extend credit. Information and/or dates are subject to
change without notice. All loans are subject to credit approval. Other
restrictions may apply.