No-Doc & Stated Income HELOCs – Fast Approvals. No Tax Returns Needed!

We keep things simple and fast. By clicking on the "Get Started" button below you will be taken to the Digital HELOC application page. You will see exactly what you're pre-approved for in minutes by completing your information.

Why Choose Our Digital HELOC?

  • ✅ No-Doc HELOC
  • ✅ No Appraisal Needed
  • ✅ Approvals in 1-2 days
  • ✅ Perfect for self-employed and investors

Why Choose Our Digital HELOC?

  • ✅ No appraisal needed for this DIGITAL home equity line of credit.
  • ✅ Close in as little as 3 days with our streamlined digital process.
  • ✅ No-doc or low-income documentation options available.
  • ✅ Use the funds for anything — from home upgrades to paying off high-interest debt.

What our clients say:

⭐⭐⭐⭐⭐ Frank H.
“A very good experience and professional work from Joseph Correa. I recommend.”

⭐⭐⭐⭐⭐ Luis P.
“Excellent service all the way through. Joseph is very thorough and professional. Highly recommended!”

⭐⭐⭐⭐⭐ Moises D.
“Joseph was always on top of things and making sure we close as soon as possible. I strongly recommend him to anyone looking to have a serious and dedicate mortgage broker.”

⭐⭐⭐⭐⭐ Tim O.
“Joseph was phenomenal through the entire process. Answered all our questions, I would highly recommend.”

⭐⭐⭐⭐⭐ Ann C.
“Joseph Correa and Finibi Mortgage are Dominating the industry with Speed and Service. Not only does Joseph want to help you get your Dream House, or start Saving Hundreds of Dollars a month within 2 weeks, but he truly cares about his clients.”

Apply now and get the funds you need in 3–5 days!

Frequently Asked Questions

Q: Do I need to submit tax returns or W-2s?

A: No. We offer no-doc and stated income loan options that do not require tax returns or traditional proof of income.

Q: Can I apply if I’m self-employed or a real estate investor?

A: Yes. Our programs are ideal for self-employed borrowers, 1099 workers, and investors using DSCR or asset-based income.

Q: How fast can I get approved?

A: Many applicants receive conditional approval within 24–48 hours. Funding can happen in as little as 3–7 days depending on the program.

Q: Is an appraisal required?

A: No appraisal is required for the DIGITAL HELOC program. We use AVM or desktop valuation models when available.

Q: What can I use the funds for?

A: Funds can be used for anything — debt consolidation, home renovations, investing, or growing your business.

Q: Which states do you lend in?

A: We currently lend in Florida. More states may be available soon — contact us for details.

Joseph Correa
Principal Broker/Owner
Finibi Mortgage Inc
NMLS#1727219

CALL US: 305-793-4470

 


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