FourLeaf is here to help you with your home lending needs. Whether you are looking to buy a home or refinance by tapping into the equity you have built in your home, our Mortgage Lending Specialists will guide you through every step of the process to make it as easy and smooth as possible.
Whether you are looking to make home improvements, pay off high-interest loans, or need to prepare for unexpected expenses, a FourLeaf HELOC allows you to access the funds you need, when you need.
A HELOC is an open line of credit based on the equity that you already have in your home. A HELOC often has a lower interest rate and more flexibility than other types of loans. You only use the money when you need it, and you only pay interest (during the draw period) on what you use. [1]
To apply for a FourLeaf HELOC, you will need:
- Most recent pay stubs covering the last 30-day period
- Past two years of W-2 Forms from all employers (current & previous)
- Past 2 years of Federal Tax returns (1040 Form) with all pages and schedules (if applicable, self-employed/rental income/retirement income)
As you go through the process, additional documentation may be needed.
Find out if you could save! Simply provide us with the information below and one of our Mortgage Lending Specialists will reach out to you in minutes.**
Let's Get StartedFourLeaf offers a wide variety of mortgage options to help meet your home lending needs:
- Purchase and refinance
- Fixed or Adjustable-Rate Mortgage programs
- Financing for primary, second/vacation, and investment properties
- Free rate lock for 60 days[*]
- Competitive rates and fees
- Seamless application experience
All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loans above 80% LTV may require private mortgage insurance (PMI). FourLeaf does not offer residential mortgage loans in Texas. To obtain a loan, membership at FourLeaf is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
* Free rate lock is valid for 60 days. A completed application is required in order to request a rate lock.
** Hours of availability are Monday through Friday from 9 am until 8 pm (ET). If you submit a request outside of these available times, we will respond the following business day.