For Homeowners With a Home on the Market

Your home is listed.
Your equity shouldn't be locked.

Most banks won't touch a home that's for sale. Our 100% digital HELOC can fund in as little as 5 days — even with an active listing — so you can buy your next home before this one sells.

  • Funding in as little as 5 days — application takes minutes, fully online
  • Active MLS listing? Still eligible. No waiting for your buyer to close
  • Make your next offer without a home-sale contingency
  • Line is simply paid off at closing when your home sells
  • Checking your amount will not affect your credit score
No obligation • Soft credit pull to pre-qualify • Equal Housing Lender

What could you unlock?

Two fields. Thirty seconds. No credit pull.
Estimated equity you could access*
$0
*Estimate only — not an appraisal, an offer of credit, or a commitment to lend. Your actual line amount depends on credit, verified value, and program limits.
See My Real Number →
Estimates are not appraisals and were not prepared by a licensed appraiser. Checking your rate uses a soft credit pull with no impact to your score.
$17+ Billion in equity unlocked through our lending platform
As little as 5 days from application to funding
★★★★★ 4.96/5 from 212 verified reviews on Experience.com
The Seller's Squeeze

Selling first is safe. It's also how you lose the next house.

If your down payment is trapped in the home you're selling, you're stuck making contingent offers — and in a competitive market, contingent offers finish last.

The old way: wait and pray

  • Your offer on the next home is contingent on selling this one
  • Sellers pick the clean offer over yours — even at a lower price
  • Pressure to accept a lowball on your listing just to keep the timeline alive
  • Traditional bridge loans: weeks of underwriting, heavy fees, hard credit pull up front
  • Most banks decline HELOC applications the moment your home hits the MLS

The bridge HELOC way

  • Unlock your equity while the home is listed — in as little as 5 days
  • Walk into your next offer with down payment cash in hand — no sale contingency
  • Negotiate your listing from strength; take the right offer, not the fastest one
  • Draw only what you need; interest applies only to what you draw
  • When your home sells, the line is paid off at closing. Done.
Watch: 90 seconds

How to buy your next home before this one sells

Here's exactly how homeowners with active listings are using a 5-day digital HELOC as a smarter, cheaper bridge.

Check My Equity →
2 min application • Pre-qualification does not affect your credit score.

Bridge HELOC vs. the alternatives

Three ways to get to your next home. Only one is fast, flexible, and doesn't hand your leverage away.

WCL Bridge HELOC Traditional Bridge Loan Home-Sale Contingency
Speed to funds As little as 5 days 2–6 weeks N/A — wait for your buyer
Works with an active listing ✓ Yes Sometimes, with conditions —
Offer strength on next home Non-contingent Non-contingent ✕ Weakest offer at the table
Cost structure Interest only on what you draw Fees + interest on full amount "Free" — but costs you the house
Keeps your first mortgage rate ✓ Yes — second lien Varies ✓ Yes
Paid off when home sells ✓ At closing, from proceeds ✓ At closing —

How it works

Three steps between your listed home and cash for your next move.

1

Check your number

Use the 30-second form. We confirm eligibility for homes with active listings and line up your digital application — soft pull only.

2

Fund in as little as 5 days

Complete the fully online application from your phone. Approved applicants can have funds available in as little as 5 days.

3

Buy, then sell on your terms

Use your equity for the down payment on your next home. When your listing sells, the line is paid off at closing from the proceeds.

What clients are saying

Verified client reviews from Experience.com — read all 212 →

★★★★★

"Korbin was attentive to our needs and worked hard to find multiple solutions for us. He was very responsive and easy to reach for all our questions. I'll be bringing all of our future business to Korbin and the West Capital team."

TM
Timothy M.Verified review • Experience.com
★★★★★

"Korbin listened and didn't push an agenda others tried to get me to do. I explained my situation, where I was, and where I needed to be."

CR
Charles R.Verified review • Experience.com
★★★★★

"Korbin is fantastic. Very personable, PATIENT, and extremely knowledgeable. He was also very available for me."

JB
James B.Verified review • Experience.com

See What Your Listed Home Can Unlock

Takes about 2 minutes. No credit impact to check what you qualify for.

Currently serving 30 states — if yours isn't listed, we can't help with this loan yet. By submitting, you agree to be contacted by West Capital Lending regarding your home equity inquiry. Standard message/data rates may apply. You may unsubscribe at any time.

Listing agents: stop losing deals to "we have to sell first."

Offer your sellers a way to unlock their equity while the home is on the market — and turn your listing clients into non-contingent buyers for their next purchase.

Win more listings

Walk into the listing appointment with a financing answer no other agent brings: "You don't have to wait for the sale to access your equity."

Protect your price

Sellers with cash in hand don't panic-accept lowball offers. Less price-drop pressure, better comps, happier clients.

Double-end the move

When your seller becomes a non-contingent buyer, you're positioned to represent both sides of their move — the sale and the purchase.

Partner With Me — (949) 431-2445
15-minute call. I'll show you exactly how to present it to sellers — compliantly.

A real person, on your timeline

The application is digital. The advice isn't. You'll work directly with a licensed loan originator who specializes in sell-and-buy moves.

KS

Korbin Spangenthal

Vice President • Mortgage Loan Originator

Korbin helps homeowners who are selling and buying at the same time unlock their equity when the timing matters most — including while the home is actively listed. Licensed in 30 states with West Capital Lending, Inc. Rated 4.96/5 across 212 verified reviews.

NMLS #2079029  •  DRE #2178533  •  West Capital Lending, Inc., NMLS #1566096, DRE #02022356
17911 Von Karman Avenue, Suite 400, Irvine, CA 92614
Direct: (949) 751-1870  •  kspangenthal@westcapitallending.com
Verify my license on NMLS Consumer Access →

Questions, answered

My home is already listed on the MLS. Can I really still get a HELOC?

Yes — that's the whole point of this program. Most banks and credit unions automatically decline home equity applications on properties listed for sale. Our digital HELOC program is available for homes with an active listing, which is what makes it work as a bridge while you sell.

What happens to the HELOC when my home sells?

The line is paid off at closing directly from your sale proceeds, and the lien is released — the same way your first mortgage is handled. You keep whatever equity remains after both are satisfied.

How is this better than a traditional bridge loan?

Traditional bridge loans typically involve weeks of underwriting, origination fees on the full amount, and interest on the entire balance from day one. With this HELOC, the application is fully digital, funding can happen in as little as 5 days, and interest applies to what you actually draw.

Will checking my rate affect my credit score?

No. Pre-qualification uses a soft credit pull, which does not impact your credit score. A hard pull only happens if you decide to move forward with the full application.

How fast is "as little as 5 days"?

Typical funding timelines through our digital HELOC partner can run about 5 days from completed application to funds available for qualified applicants. Exact timing depends on your state, property details, and how quickly documentation is returned.

Can I use the funds for the down payment on my next home?

Many homeowners use their equity proceeds toward their next purchase. How the funds and the new payment factor into qualifying for your next mortgage depends on that loan's underwriting — we'll walk through the numbers for your specific situation so both transactions work together.

Is this a refinance? Do I lose my current mortgage rate?

No. This is a line of credit in second position behind your existing mortgage. Your first mortgage — and its rate — stay exactly where they are.

Who is West Capital Lending?

West Capital Lending is a licensed mortgage brokerage. The digital HELOC is offered through our lending partner, Figure Lending LLC — you get the speed of a modern digital lender with the personal service of a dedicated mortgage professional.