What We Offer
Primary Residence HELOCs
Lines of credit secured by primary residence equity — with flexible draw periods, competitive rates, and high LTV options for qualified high-net-worth borrowers.
Second Home & Vacation HELOCs
Home equity lines on vacation properties and second homes — for renovation, liquidity, or investment capital — with portfolio lender flexibility.
Bridge Financing
Short-term bridge loans secured by home equity — allowing clients to access liquidity quickly while a longer-term financing solution is structured.
Renovation Financing
HELOC structures designed for significant renovation projects — with draw schedules aligned to construction phases and interest-only periods during the build.
Liquidity Management
Strategic use of home equity as part of a broader wealth plan — providing a low-cost line of credit to manage cash flow without liquidating investment assets.
Debt Consolidation
Using home equity to consolidate higher-cost debt — structured to reduce monthly obligations while maintaining the client's overall wealth position.
Key Advantages
- Lines from $500K to $10M+ on primary and vacation properties
- High LTV options for qualified high-net-worth borrowers
- Alternative income documentation and asset-based qualification
- Interest-only draw periods aligned to renovation or project timelines
- Portfolio lender flexibility for complex ownership and entity structures
- Fast approvals — most lines funded within 30 days
Case Studies
Intelligent Lending in Action
Real examples of how Farther has helped advisors access financing with precision and speed.
Luxury Home Renovation — HELOC with Interest-Only Draw Period
A client sought to fund a full-scale renovation of their primary residence without liquidating investment assets. The property had $6M in equity, but the client's income was primarily from carried interest and business distributions, making conventional HELOC qualification difficult.
Farther secured a $2.8M HELOC with a portfolio lender that accepted alternative income documentation. The 24-month interest-only draw period aligned with the renovation timeline, allowing the client to manage cash flow efficiently throughout the project.
Vacation Home Acquisition — Bridge Loan Before Existing Home Sale
A client identified a waterfront vacation property and needed to move quickly before their existing home sold. They had significant equity in their primary residence but needed short-term liquidity to fund the new purchase without contingencies.
Farther structured a $1.5M bridge loan secured by the primary residence, allowing the client to close on the vacation property in 18 days. The bridge was repaid in full within 90 days upon the sale of the primary residence.
Share a Scenario or Success Story
Have a client situation you'd like us to evaluate — or a success story to share? We'd love to hear it.