Unlock Your Home Equity at the Speed of NOW.

Digital home equity line of credit—apply online in minutes

Review your estimated available equity and rates in minutes - all with no impact to your credit score.

Rates as low as 7.49% APR are subject to credit approval, loan-to-value, and other qualifications. Actual rate may vary. All rate/product language should be submitted for compliance review before publishing.

How It Works

Get Access to Your Home Equity in 3 Simple Steps

Start online, review your options, and move forward with a digital home-equity experience designed around your time.

01

Check Your Options

Start online and review your estimated available equity and potential rates.

02

Complete Your Application

Provide the information needed to move forward with your digital HELOC application.

03

Access Your Equity

Once approved and finalized, access your available funds when you need them.

Client Stories

Hear From Homeowners

Real homeowners sharing their DigitalZLOC experience. Client video testimonials can be added here as they become available.

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About Us

Technology Makes It Faster.
Experience Makes the Difference.

DigitalZLOC is the fully digital home-equity platform from ZipBuy® Home Loans. Our modern, online HELOC experience is powered by cutting-edge technology — but it's backed by a team with a proven track record in residential mortgage lending.

When you choose DigitalZLOC, you get the speed and convenience of a 100% digital process, combined with the expertise, accountability, and support of an established mortgage company. Your equity transaction isn't being handled by a startup — it's backed by professionals who have been in the business for years.

Wilguimps Saint Jean
Wilguimps Saint Jean President & CEO Individual NMLS #1890873
Established Industry Track Record
Licensed Nationwide
NMLS #2522706
Powered by ZipBuy® Home Loans

DigitalZLOC is operated by ZipBuy, LLC d/b/a ZipBuy® Home Loans — an established residential mortgage company with a commitment to transparency, compliance, and homeowner success.

Use Your Home Equity For

Unlock the value in your home and make your dreams a reality

Home Improvements

Home Improvements

Use the equity you've earned to improve your home's value and your lifestyle.

Debt Consolidation

Debt Consolidation

Save thousands on high interest rate credit card payments and start building wealth.

Major Purchases

Major Purchases

Make your biggest dreams happen now by tapping into your home's equity.

$323,000

Average home equity available

7.49%

Starting APR

20+ Years

Industry Experience

85%

Max loan amount

Starting APR is based on creditworthiness and loan-to-value ratio. Not all applicants will qualify for the lowest rate. All rate/product language should be submitted for compliance review before publishing.

DigitalZloc Digital HELOC

Home equity that keeps up with your dreams.

Easy application process

Enjoy a painless online process that's simple and quick. See your available equity and explore rates in minutes. Fast, easy, and entirely hassle-free.

Fast access to funds

Our streamlined process is faster than most banks, giving you quick access to your home equity. Effortless, efficient, and designed for your convenience.

Digital verification

Our Artificial and Mortgage Intelligence leverages digital verification which removes the pain – and time – typically associated with the HELOC process.

Low borrowing costs

Get lower rates than credit cards or personal loans, designed to save you more on every payment. Smarter, affordable, and tailored to your needs.

Flexible funding options

Now access up to 85% of your home's equity and unlock the value in your property. Quick, easy, and hassle-free financing solutions tailored for you.

Human-to-human support

Sure, we leverage cutting edge technology, but we have a team of mortgage experts that are always ready to assist you with any part of the process.

The DigitalZloc Difference

Driven by technology, we've built the best lending experience possible so you can build the best future possible.

DigitalZloc Home Equity Loan
Cash Out Refinance
Fast Access to Cash
DigitalZloc✓
Cash Out Refinance✗
Painless online application process
DigitalZloc✓
Cash Out Refinance✗
Loans from $50,000 - $600,000
DigitalZloc✓
Cash Out Refinance✓
Est. time to get pre-qualified
DigitalZloc4 Minutes
Cash Out RefinanceDays
Keep low 1st mortgage interest rate & loan terms
DigitalZloc✓
Cash Out Refinance✗
Max loan amount
DigitalZloc85% of your home equity
Cash Out Refinance80% of your home equity
Ability to redraw cash when needed
DigitalZloc✓
Cash Out Refinance✗
DigitalZloc Home Equity Loan
Fast Access to Cash ✓
Painless online application process ✓
Loans from $50,000 - $600,000 ✓
Est. time to get pre-qualified 4 Minutes
Keep low 1st mortgage interest rate & loan terms ✓
Max loan amount 85% of your home equity
Ability to redraw cash when needed ✓
VS
Cash Out Refinance
Fast Access to Cash ✗
Painless online application process ✗
Loans from $50,000 - $600,000 ✓
Est. time to get pre-qualified Days
Keep low 1st mortgage interest rate & loan terms ✗
Max loan amount 80% of your home equity
Ability to redraw cash when needed ✗

Your Questions Answered

A home equity line of credit, also known as a HELOC, is a line of credit secured by your home that gives you a revolving credit line to use for large expenses.

A variable rate is an interest rate that can change over time based on market conditions, which may result in lower initial rates compared to fixed-rate loans.

You can use your HELOC for home improvements, debt consolidation, major purchases, education expenses, or any other significant financial needs.

Your equity is calculated by subtracting any outstanding mortgage balances from your home's current market value.

Your home's value is determined through a combination of automated valuation models and, in some cases, a professional appraisal.

The maximum combined loan-to-value (CLTV) is calculated by dividing the total loan amount by the appraised value of your home.

Home equity has officially left the bank.

Harness the power of DigitalZloc. Home equity is now faster, simpler, and more accessible with our digital HELOC solutions—no bank visits required.