Compare home equity options with clearer next steps

See your estimated access to a HELOC or home equity loan before you apply.

Complete the short homeowner form to unlock a private page with preliminary access estimates, requested documents, and next steps. Final amounts and terms can change based on property value, balances owed, documentation, and lender program limits.

See likely access amounts

Your private page can estimate how much line or lump-sum access may be available based on the property value, current liens, occupancy, and program caps.

Understand product fit

The portal can narrow likely HELOC and home equity loan options, show terms, and help your specialist explain what may fit best before a full application.

Keep everything in one place

Upload documents, answer follow-up questions, and message your assigned specialist from one private page.

Start your home equity prequalification

Please complete the questions below. After you submit the form, you will be taken to a private page where you can view general numbers, upload documents, answer follow-up questions, and continue the file with your specialist.

Full legal first name

Full legal last name

Email address

Phone number

Estimated credit score

Subject property address

City

State

ZIP

Borrower will use the property as

HomeOwners Assc or Condo Assc?

Property type

Estimated property value

Estimated amount wanted

Is there a mortgage on the subject property?

Are there any other loans on the property?

I agree that VMA Lending LLC may contact me about mortgage and housing-related options and may deliver disclosures electronically.