Buying a home
Piggyback HELOC
Pair a HELOC with a first mortgage as part of your borrower’s home purchase.
Explore productHELOC solutions
The right structure.
For your borrower.
Four ways to structure a HELOC. Explore the starting points below, then work through the scenario with your Symmetry area manager.
Find your starting point
Four HELOC solutions.
Recently purchased
Post-Close Piggyback
Explore a home equity solution for borrowers who have recently purchased a home.
Explore productAccessing equity
Standalone HELOC
Help borrowers access equity for renovations, debt consolidation, or other priorities.
Explore productFirst-lien financing
1st Lien HELOC
A revolving line of credit in first position for borrowers who own their home free and clear.
Explore productProduct availability, eligibility, and terms are subject to current guidelines. View guidelines in Broker Portal (opens in a new tab)
Buying a Home
Piggyback HELOC
A Symmetry Piggyback closes concurrently with a first mortgage on the same property, the go-to structure for borrowers who want to avoid jumbo guidelines or mortgage insurance, or who need more flexibility in their long-term liquidity planning.
View rates & guidelines (opens in a new tab)Recently Purchased
Post-Close Piggyback
The right fit for a homebuyer who wants a HELOC for new home furnishings, immediate upgrades, or replenishing liquidity shortly after closing. Submitted within 120 days of the first mortgage closing, it's treated as a Piggyback, with Piggyback pricing and guidelines.
View rates & guidelines (opens in a new tab)Accessing Equity
Standalone HELOC
A second mortgage solution for borrowers more than 120 days past their first mortgage closing, built for cash-out, debt consolidation, and home improvement needs. All workflow and borrower contact stays in your control.
View rates & guidelines (opens in a new tab)Replacing a First Mortgage
1st Lien HELOC
Designed for the borrower who owns their home free and clear and wants financing for home improvement or other cash-out needs, a flexible line of credit instead of a traditional, fixed-payment first mortgage.
View rates & guidelines (opens in a new tab)Non-owner and second-home options are also available. Refer to the Broker Portal for exact guidelines, pricing, and rates, or contact your area manager.
Your next step
A scenario to work through?
Your area manager can help you find the right starting point.