# HELOC Simple (helocsimple.com)

> HELOC Simple is an online request form and education site for home equity lines of credit (HELOCs) on primary residences, by Daniel Becerril (NMLS #2388968), Executive Branch Manager at West Capital Lending, Inc., NMLS #1566096, 17911 Von Karman Avenue, Suite 400, Irvine, CA 92614. Operated by DB3 Financial LLC (DB3 Financial LLC, Carson, CA). Licensed in: GA (2388968), IN (76639), LA (2388968), MS (2388968), NC (I-224221), NJ (2388968), NV (NMLO-120517), RI (2388968), SC (2388968), VT (MLO-2388968). The site publishes no rates, funding-speed or appraisal claims; program terms are provided in writing by the loan officer.

## Key facts
- Product: HELOC on owner-occupied (primary) homes, second lien behind an existing mortgage
- Line amounts, max CLTV, credit minimums, valuation and timing vary by program; Daniel confirms what fits each scenario
- Requesting options does not pull credit
- CLTV = (mortgage balance + HELOC line) ÷ home value

## HELOC vs alternatives
- HELOC keeps the existing first mortgage; cash-out refinance replaces it; personal loans are typically unsecured and smaller

## How it works
1. Estimate equity and request options at https://helocsimple.com/ (~2 minutes)
2. Book a call with Daniel Becerril; receive options in writing
3. Apply, verify, valuation, close

## Related
- LLC rental refinance: https://llcrefi.com/
- DSCR calculator for investors: https://checkmydscr.com/

## Pages
- How it works: https://helocsimple.com/how-it-works.html
- Calculators: https://helocsimple.com/calculators.html
- Guides: https://helocsimple.com/guides/
- States served: https://helocsimple.com/states/
- FAQ: https://helocsimple.com/faq.html
- About and contact Daniel (form): https://helocsimple.com/about.html
- Privacy: https://helocsimple.com/privacy.html · Terms: https://helocsimple.com/terms.html

## Contact
- Use the form at https://helocsimple.com/#start or https://helocsimple.com/about.html