Excellent4.94 out of 5 based on 99 homeowner reviews

Unlock your home equity in 5 days

Access $50,000 to $750,000 with a fixed-rate HELOC — no appraisal, no tax returns, no hard credit pull.

Free consultation · No obligation · No hard credit pull

Modern home exterior

Easy to arrange

No appraisal, no tax returns, no paystubs. Speak to a licensed advisor and get set up in minutes.

Great value

Fixed-rate financing from $50,000 to $750,000 against your primary home, second home or rental.

Excellent service

30+ years of HELOC experience and 10,000+ homeowners helped. Pressure-free, no hard credit pull.

30+ years of experience

Meet Jesse Grijalva

Jesse has helped more than 10,000 homeowners access the equity they've built and understand their financing options.

Every consultation starts with understanding your situation and determining whether a HELOC is the right fit for your goals.

Jesse Grijalva
Jesse Grijalva

Branch Manager

West Capital Lending, Inc · Irvine, CA

Program terms

Simple qualifications. Fast funding.

Borrow against your primary home, second home, or rental with a fixed rate.

  • No Appraisal Required
  • Fixed Rate
  • 2nd Homes and Rentals OK
  • 640+ FICO (No Mortgage Lates within last 12 months)
  • No Tax Returns
  • No Hard Credit Pulls
  • No Paystubs

Put your equity to work

Financing built around your goals

Pay Off Debt

Consolidate high-interest balances into one predictable payment.

Invest

Deploy your equity into opportunities that build long-term wealth.

Remodel

Fund the renovation that adds real value to your home.

What homeowners say

“I had a fantastic experience working with Jesse on my HELOC. He took the time to explain every detail clearly and was always quick to respond whenever I had a question. The entire transaction was smooth, efficient, and relatively quick.”
Sherrian T.May 2026 · Experience.com
“Jesse is fantastic to work with. His knowledge and experience make him a powerful advocate for his customers. He is an excellent communicator — always keeping us informed at every step of the loan process.”
Scott R.May 2026 · Experience.com
“Jesse was very knowledgeable and helpful during my whole HELOC transaction. He always returned my phone calls and followed up with all news about my loan, even when there was no news at all.”
Christopher B.Apr 2026 · Experience.com
“We were a little reserved when making the decision to do a HELOC. Jesse made the experience so great from beginning to end. Any questions we had, no matter the time, he was there!”
Rodney D.Apr 2026 · Experience.com
“Jesse was amazing — very attentive to all our needs and financial budget. The entire process was very smooth and simple. Highly recommend for refinancing, home equity, and other mortgage loans.”
Tracy D.May 2026 · Experience.com
“My experience with Jesse has been very good. He's professional, he made the process very easy, explained everything, and the loan was approved. I recommend anyone to work with him, stress-free.”
Mahmoud A.May 2026 · Experience.com

See how much you qualify for

Get clear answers from Jesse with no obligation and no hard credit pull.

Get Funded