Oak Tree Capital

04/29/2026

Incredible opportunity! Unlock your home’s equity with a fast, fully digital Home Equity Line of Credit (HELOC). Get funded in as little as 4 days—no appraisal, no paperwork, no hassle.

Simply scan the QR code to apply, or visit https://www.homeatoaktree.com/lineofcredit
to get started today.

04/23/2026

04/14/2026

⚡ HELOC Funding in as Little as 4 Days!

Credit Requirements

Owner-Occupied: Minimum 600 FICO
Non-Owner Occupied: Minimum 640 FICO

Loan Terms & Features

Up to 85% Combined Loan-to-Value (CLTV)
Competitive Interest Rates: 8.05% – 13.80%
Loan Positions: 1st, 2nd, or 3rd
30-Year Term

Eligible Property Types

Single-Family Residences (SFR)
Multi-Family Properties
Condominiums

Availability

Offered in most states

Program Restrictions

Not eligible behind a foreclosing first lien
Not permitted behind balloon loans

Closing Timeline

Typical closing in approximately 4 days*

*Closing timeframe is an estimate and not a guarantee.

04/10/2026

🚀 New HELOC Program – Close in as Fast as 4 Days!
No Appraisal Required | Simple Process
Get your borrowers funded quickly with a streamlined HELOC solution:
👉 Have your borrower complete the quick mini application:
• Scan your QR code or
• Visit: https://www.homeatoaktree.com/heloc
• Be sure they list your name as the referring agent
💰 Compensation
Earn 0.50 bps, typically paid within 2–3 days after closing
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Program Highlights
• Owner-Occupied: Minimum Credit Score 600
• Non-Owner Occupied: Minimum Credit Score 640
• Up to 85% CLTV (Combined Loan-to-Value)
• Rates: 8.05% – 13.80%
• Loan Positions: 1st, 2nd, or 3rd
• Term: 30 Years
• Property Types: SFR, Multi-Family, Condo
• Available in most states
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Additional Guidelines
• Cannot be placed behind a foreclosing 1st lien or balloon loan
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⚠️ Note: 4-day closing is typical but not guaranteed.

04/08/2026

Unlock your home’s equity—fast!

Oak Tree Capital now offers a HELOC that can close in as little as 4 days, with no appraisal required.

✔ FICO scores as low as 600 (owner-occupied)
✔ 640 for non-owner occupied properties
✔ Available in 1st, 2nd, or even 3rd lien positions
✔ Fast funding—money in your account in as little as 4 days (in most cases)

Simple. Fast. Flexible.

Contact us today to get started on your loan process!

04/07/2026

FAST CASH!

HELOC in 4 Days!

Minimum Credit 600 Owner Occupied

Minimum Credit 640 Non-Owner Occupied

Loan to Value (CLTV) Up to 85% Combined

Base Interest Rate 8.05 - 13.80%

Loan Position 1st, 2nd or 3rd

30 Year Term

SFR, Multi-Fam or Condo

Available in Most States

Cannot be used behind a foreclosing 1st or a balloon loan
*4 Day is normal period to close, this does not constitute a
promise or guarantee to close in 4 days

12/08/2025

Todays Rates

12/03/2025

Mortgage Rates drop a little.

12/02/2025

Current Hard Money Trends