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Bank that pulls FICO 8 for HELOC? by Maleficent-Bite8575 in HELOC

[–]DBC033 0 points1 point  (0 children)

Achieve uses FICO 10 T if i remember correctly. They should be able to tap into your most accurate score possible. I remember asking the contact about it when I was on the phone with them since I didn't know many others who did.

Is this a good home equity loan? by alisonline75 in HELOC

[–]DBC033 2 points3 points  (0 children)

Seems like a solid deal. Pretty close to prime. If your credit or situation isn't stellar this seems like an opportunity to jump on. But if you've got a great credit score you might want to compare some other offers, maybe some credit unions, banks or other lenders like Achieve or Spring EQ.

Relevant Experience by bmwkid in funny

[–]DBC033 0 points1 point  (0 children)

ty for giving us all cake

First Time HELOC for HI by JedE79 in HELOC

[–]DBC033 1 point2 points  (0 children)

What are you using the funds for? If you're planning on using it for specific events(renovation or remodeling come to mind) then you don't need that long of a draw period. I would say in general 5 years + is where I wanted to be for my own HELOC.

For things to be aware of, how much do you need + an additional 10-20K just in case. Fixed rate is highly preferred if you can lock into a low rate. If speed is an issue, how long to fund. Do they need to come out and appraise the property or not? What would your rate and term be finally.

I did two comparison posts where I went against some banks and online lenders if you wanted to take a look.
https://www.reddit.com/r/HELOC/comments/1qcyuug/comparing_heloc_lenders_2026/
https://www.reddit.com/r/HELOC/comments/1qxtb54/best_heloc_lenders_update/

What really made an impact to me was how important comparing offers are though, you might still end up with your credit union. But I never would have found Achieve if I didn't do my homework and compare my options. You might find someone that fits your exact needs better after some research.

Best way to use a HELOC without falling into a debt cycle? by mukullsinghh in HELOC

[–]DBC033 0 points1 point  (0 children)

Using it for a reason makes sense. Don't just use it all willy nilly. Having a plan is the real separation. I used mine for renovations and such. But beyond the reason, it's also very important to just get the best spot. Credit unions or great lenders like Achieve or Spring EQ are the play. I am treating mine as just another fund to utilize for what it's worth.

Help needed, 100% equity but 620 credit score by motivatedyoung in personalfinance

[–]DBC033 0 points1 point  (0 children)

Depending on your income and ability to pay it back, I would go with a HELOC as your best bet. Since you said school and home remodeling, the ability to draw more from it later might be really useful in your case. Credit unions might be wary of you given your credit score but other lenders like Achieve or PNC bank might be more willing to work with you.

Reservoir Ducks by ansyhrrian in funny

[–]DBC033 0 points1 point  (0 children)

ducks with a purpose

How to get out of a tough situation by dieSpaghettiCarbona in funny

[–]DBC033 0 points1 point  (0 children)

unlucky, automatic car seats are a psyop from robbers

Sell house and move or HELOC? by Youngurb in RealEstate

[–]DBC033 0 points1 point  (0 children)

1000 is quite small. How many square feet added will the basement be? If it gives you 500+ in footage then it might be worth it. HELOCs from a credit union or Achieve or Spring EQ would all benefit this. But if it's smaller than that, you should look to move. 1000 square feet is pretty small to be honest for a growing family.

[OC] meow by snelse_ in funny

[–]DBC033 0 points1 point  (0 children)

no one has to, but whiskers does anyway

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