HELOC & Home Equity Loans — NTMG Lending
Gray two-story suburban family home on a sunny street
Home equity

Your home is your most powerful asset.

Turn your equity into cash with highly competitive rates, fewer hurdles, and closings in as little as 5 days.

Close in as little as 5 days No appraisal options Bank statements only options
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Why NTMG

Built around your timeline.

Close in days

Streamlined HELOC and 2nd mortgage process gets you funded in days, not weeks.

No appraisal options

Many equity products use automated valuations. No in-person appraisal needed.

Bank statements only

Self-employed? Qualify on bank statements alone. No tax returns required.

Couple laying a rug in their living room
Digital HELOC

Your equity, in days not weeks.

Can close in about 5 days
No appraisal
No tax returns, paystubs, or W-2s
Soft pull to pre-qualify
Fixed and variable options
Bank statement options
Check My Equity See All Programs
Subject to credit and property approval. Timelines vary. Not available in all states.
Compare

Which equity option fits you?

HELOC

Revolving line. Draw as you go and pay interest only on what you use. Keep your current mortgage.

Start with a HELOC

HELOAN / 2nd

One lump sum with fixed, predictable payments. Keep your current mortgage.

Start with a HELOAN

Cash-Out Refi

One new mortgage that replaces your current loan and pays you the difference in cash.

Start a cash-out
What homeowners use it for

Made for real life.

01

Home renovations

02

Consolidate higher-interest debt

03

Investment property down payment

04

Tuition and big expenses

Client reviews

Verified on Zillow.

Heloc

Noah assisted us with our loan answered our all questions about the different 2nd mortgages offered. Noah and his team streamline the paperwork process as much as possible. It was still a lot but manageable with a team readily available to answer questions.

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Lisa D.San Diego, CAHome Equity · Closed Aug 2026Worked with Noah Monson✓ Verified on Zillow

Helpful and Great Communicator

Noah explained everything and was very honest and helpful with us. It was very got a communication. When we sent him documentation, he always got hold of us quickly to let us know if we sent the right documents.

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Luis R.Forest Grove, ORHome Equity · Closed Jun 2026Worked with Noah Monson✓ Verified on Zillow

The Lender Who Goes Above and Beyond Doesn't Begin to Cover It

As a first-time homebuyer, I had no idea what I was getting into — but Noah Monson made sure I never felt lost. From day one, he went far beyond what any lender is expected to do. He guided me through every step of the process with patience and clarity, answering questions that weren't even in his lane, and connecting dots I didn't even know needed connecting.

What truly set Noah apart was his commitment to making our closing happen. The timeline we were working with was incredibly aggressive, and I honestly didn't think it was possible — but Noah moved mountains to make it work. He was proactive, relentless, and never once made me feel like it was too much to ask.

Throughout the entire process, he would regularly check in just to make sure I was comfortable and ask how he could help — even when he was already doing more than anyone could expect. That kind of care and dedication is rare.

If you are buying your first home and want someone who will truly have your back every step of the way, look no further than Noah. He didn't just help me get a loan — he helped me get a home.

Read the full review on Zillow
Paulo A.Irvine, CAPurchase · Closed Aug 2026Worked with Noah Monson✓ Verified on Zillow

Excellent Broker

Thomas was very helpful. He was able to answer all my questions. He spent a lot of time researching different options for me. I definitely recommend Thomas for all financing.

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dkyle926Land O Lakes, FLRefinance · Pre-qualified · Aug 2026Worked with Thomas Petko✓ Verified on Zillow

Easy from beginning to end

Thomas' help with our refi went seamlessly from beginning to end. What we thought was going to be a grueling process went way better than expected. Rates/costs were better than we were getting quoted elsewhere. He walked us through it step by step. Would not hesitate to use Thomas and his team for our next purchase/refi.

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Mickie M.Lake Forest, CARefinance · Closed Jun 2026Worked with Thomas Petko✓ Verified on Zillow

Mortgage refinance with NTMG Lending/Noah Monson

Working with Noah Monson at NTMG Lending was an amazing experience! He explained every fee and loan option clearly, gave honest advise and kept me updated throughout the process via phone calls and email communication. We closed on schedule at a fantastic rate!

What I thought was going to be an overwhelming process, turned out to be smooth sailing thanks to Noah and his team at NTMG Lending!!!

I would (and have) recommend him to my friends and family. In fact, they've already closed two more loans for very satisfied family members.

Thank you Noah for your excellent work on my behalf. I am truly grateful!

Read the full review on Zillow
Soni L.Santa Monica, CARefinance · Closed Jul 2026Worked with Noah Monson✓ Verified on Zillow

Reviews published on Zillow for NTMG Lending. Verify them anytime on our Zillow lender profile.

FAQs

Questions, answered.

What's the difference between a HELOC and a HELOAN?

A HELOC is a revolving line of credit you draw from as needed. A HELOAN is a one-time lump sum with fixed payments. Both let you keep your current first mortgage.

Will checking my options affect my credit?

No. We start with a soft pull, which does not impact your score. A hard pull only happens if you decide to move forward.

How fast can I get my funds?

Our digital HELOC can close in about 5 days for qualified borrowers. Timelines vary by lender, property, and documentation.

Do I need an appraisal?

Many of our equity products use automated valuations, so an in-person appraisal may not be needed.

Why use a broker instead of a bank?

A bank offers its own products. As a broker, we compare 165+ wholesale lenders so your loan competes for the best terms available to your profile.

Are you licensed in my state?

NTMG operates under NMLS #236669. Loan availability is subject to state licensing. You can verify us anytime on NMLS Consumer Access.

60 seconds · No SSN · Zero credit impact

See what your home could do for you.

Check My Equity Call a Specialist
Home Equity Refinance Buy a Home Get My Options Call (949) 599-8580

NMLS #236669 · Equal Housing Lender

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