Unlock Your Equity with a Fixed-Rate HELOC
A fixed-rate Home Equity Line of Credit (HELOC) offers the flexibility of a credit line with the stability of a fixed interest rate. It’s a great option for long-term projects or recurring expenses, providing predictable monthly payments and dependable access to your home’s equity.
FIXED-RATE HELOC
See What a Fixed-Rate HELOC Can Do for You
With a fixed-rate HELOC from Phan Lending LLC, you can tap into your home’s equity while securing a stable interest rate. That means predictable monthly payments you can rely on—no matter how the market changes.
Ideal for long-term projects like home renovations, tuition, or medical costs
Provides predictable payments with fixed terms
Lets you plan with confidence and avoid rate fluctuations
Fixed-Rate HELOC Benefits
Stable Monthly Payments
Secure your rate and enjoy predictable monthly payments.
Fast Funding
Get your funds in as little as 11 days.*
Best for Long-Term Needs
Ideal for ongoing expenses or projects that need steady, reliable funding.
Select Your Term
Select from 15-, 20-, or 30-year term options.
Borrow Up to $500,000
Unlock the funds you need through your home’s equity.
Qualify With As Low As a 640 FICO
You don’t need perfect credit to qualify for a fixed-rate HELOC.
Keep Your Low First Mortgage Rate
Access your home’s equity without affecting your current low mortgage rate.
Potential Tax Advantages
In certain cases, interest may be tax deductible when the funds are used for home improvements.**
Fixed-Rate Flexibility, Designed for You
With a fixed-rate HELOC from Phan Lending LLC, you’ll gain more than just access to the cash you need. You’ll also benefit from a trusted lender with deep home equity expertise, a dedicated team guiding you every step of the way, and a smooth, streamlined approval process.
Payments
Predictable Payments
Enjoy steady, predictable monthly payments for the life of your term.
Planning
Confidence In Planning
Easily plan and budget for long-term projects.
Schedule
Funds on Your Schedule
Borrow as needed without having to reapply for a new loan each time.
Frequently Asked Questions