While many lenders require a good credit history, at Approved By James , we help homeowners in all financial situations. We can help you regardless of your level of debt, income, or credit history. Because a home is often our most valuable asset, many homeowners use a Home Equity Line Of Credit (HELOC) for major items, such as to pay for college education, home improvements, medical bills or a variety of different types of investments. Approved By James’s HELOC mortgage allows you to access up to 80% of the equity in your home for what you need to accomplish. But this is not all. When you get a home equity loan with us, you will have access to an emergency fund should an unforeseen need arise. It is a more cost effective option than getting an unsecured line of credit, and you will not have to apply for a line of credit again. Finally, you are only required to pay back the equity you take out of your home. It is a great financial option for homeowners in many different situations and provides you with the flexibility to manage your most pressing financial needs.