HighTechLending Broadens EquitySelect Loan Terms, Opening Doors for Investors
💡 • Check if you now qualify for higher LTVs on your investment properties to access more cash for new deals. • Use the expanded low-payment qualification options to lower monthly obligations while holding real estate. • Self-employed borrowers and side hustlers should review eligibility — the new rules may allow funding for home-based business expansions. • Real estate investors can leverage the product changes to execute a BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy with less equity tied up. • Mortgage brokers should update their product sheets to include the new EquitySelect terms to capture more client leads.
National mortgage lender HighTechLending has updated its EquitySelect product line, increasing maximum loan-to-value ratios and expanding borrower eligibility. These changes also improve access to low-payment qualification options, potentially creating new opportunities for real estate investors and homeowners to tap equity.
HighTechLending, a national mortgage lender, has announced significant updates to its EquitySelect loan product line. The changes include expanded borrower eligibility criteria, higher maximum loan-to-value ratios, and broader access to low-payment qualification options. These enhancements are designed to make equity-based borrowing more accessible to a wider range of consumers.
For real estate investors, the higher LTV ratios mean they can now extract more equity from existing properties without needing to bring as much cash to the table. This could free up capital for additional acquisitions, renovations, or portfolio diversification. The expanded eligibility criteria may also allow investors with non-traditional income profiles or lower credit scores to qualify where they previously could not.
The low-payment qualification options are particularly noteworthy for side hustlers or self-employed individuals who rely on variable income. By reducing the burden of high monthly payments, these options enable borrowers to keep cash flow flexible while still accessing the equity in their homes. This could be a strategic tool for those running home-based businesses or converting properties into short-term rentals.
Homeowners looking to refinance or obtain a home equity line of credit may also benefit from the relaxed terms. The broader eligibility and higher LTVs could allow borrowers to consolidate debt, fund home improvements, or invest in other assets without the need for a traditional cash-out refinance. The changes apply nationally, though local market conditions and property values will still play a role in final loan terms.
Mortgage brokers and loan officers should note that the EquitySelect product line now offers a more competitive option for clients who have been shut out of other equity products. This could increase deal flow for professionals advising on home equity strategies. The updates are effective immediately, so interested parties should review current guidelines and pre-qualify quickly to lock in the most favorable terms.
Read the full story
Original reporting and related coverage — attribution links only, not paid recommendations.
Trade this story
Broker buttons use invite / refer-a-friend links (rewards may be capped). Other partner links may pay OppHub a commission at no extra cost to you.
Tools & books on Amazon
Shop Amazon →Relevant gear and reads when you want to go deeper — OppHub may earn from qualifying purchases.
Build My Playbook
Turn this headline into a clear plan: what to watch, how to express it (stocks, ETFs, or options education), and how you’d know you’re wrong — for beginners and active traders. Not personalized advice.
You’ll get theme → ETFs → stocks → options education → side income → kill switches.