HELOC Application — Daddys Bank

This page is private. Minimum credit score 640. Please complete every field accurately — the more complete your file, the faster our lender network can respond.

Do you have to refinance to get a HELOC?

No. A Home Equity Line of Credit (HELOC) is a completely separate, standalone second lien on your home. It leaves your current first mortgage, its interest rate, and its terms untouched.

Separate loan: It operates alongside your main mortgage with its own account, monthly payment, and interest rate.
No impact on first mortgage: You do not need to rewrite, replace, or change the terms of your original home loan to open a HELOC.
Alternative to cash-out refinance: Instead of replacing your entire primary mortgage, a HELOC adds a secondary revolving line of credit you can draw from as needed.

This is why a HELOC is often the fastest, most flexible way to access equity without giving up the rate you already have on your first mortgage.

Request Details

Requested Line Amount *

Primary Use of Funds *

Desired Lien Position *

Rate Preference

How soon do you need funds? *

Describe how the funds will be used

Subject Property

This is the property the line of credit will be secured against.

Property Street Address *

City *

State *

Zip *

Occupancy *

Property Type *

Estimated Current Value *

Year Purchased *

Original Purchase Price

Current 1st Mortgage Balance *

Current Monthly Mortgage Payment *

Current Mortgage Lender / Servicer

Interest Rate on Existing Mortgage (%)

Existing 2nd Mortgage / HELOC Balance (if any)

Annual Property Taxes *

Annual Homeowners Insurance *

Monthly HOA Dues (if any)

Monthly Rental Income (if rental)

Is the property currently listed for sale? *

Are property taxes and insurance current? *

Any liens, judgments, or unpermitted work on the property? *

Name(s) exactly as held on title *

Borrower Information

First Name *

Middle Initial

Last Name *

Phone (10 digits, no special characters) *

Email *

Date of Birth (YYYYMMDD) *

Social Security Number (no dashes) *

Estimated Credit Score *

Marital Status

Number of Dependents

Mailing Address (if different from property)

City

State

Zip

Are you a U.S. Citizen or Permanent Resident? *

Income & Employment

Employment Status *

Income Documentation You Can Provide *

Employer or Business Name *

Occupation / Title *

Years in Current Role / Business *

Gross Monthly Personal Income *

Other Monthly Income (rental, retirement, etc.)

Total Monthly Debt Payments (excl. this property) *

Liquid Assets (cash, checking, savings) *

Retirement / Investment Assets

Do you own other real estate? *

Total Equity in Other Real Estate

Business Information

If the funds will be used for a business — new or existing.

Business Name (or proposed name)

Business Website

Entity Type

Industry

Time in Business (or 'Startup')

Average Monthly Business Revenue

Business EIN (if formed)

State of Formation

Ownership Percentage (%)

Any existing business loans or advances?

Required Declarations

Any outstanding judgments against you? *

Declared bankruptcy within the past 7 years? *

Property foreclosed or deed in lieu in the last 7 years? *

Presently delinquent or in default on any Federal debt? *

Any past-due mortgage payments in the last 12 months? *

Are you a party to a lawsuit? *

Are you obligated to pay alimony or child support? *

Is any part of the funds borrowed from another source? *

Do you intend to occupy the property as your primary residence? *

Information for Government Monitoring Purposes

I wish to furnish this information

Ethnicity

Sex

Co-Borrower Information

Optional. Required if title is held jointly.

First Name

Middle Initial

Last Name

Phone

Date of Birth (YYYYMMDD)

Social Security Number (no dashes)

Estimated Credit Score

Employment Status

Employer or Business Name

Gross Monthly Income

Total Monthly Debt Payments

Declared bankruptcy within the past 7 years?

Any outstanding judgments?

Co-Borrower Government Monitoring

Co-borrower wishes to furnish this information

Ethnicity

Sex

Attachments

Optional but strongly recommended. Upload up to 10 documents — recent mortgage statement, photo ID, homeowners insurance declaration page, most recent property tax bill, 2 years tax returns, recent paystubs or 4 months bank statements. Max 10MB per file.

Attachment 1

Attachment 2

Attachment 3

Attachment 4

Attachment 5

Attachment 6

Attachment 7

Attachment 8

Attachment 9

Attachment 10

Authorization & Signature

Your legal first/last name *

Email Address *

Legal Signature

Sign here

By signing, each of the above listed individuals and businesses (individually and/or collectively, "you") authorize WHITE OMAR LLC, operator of the DADDYS BANK brand ("Daddys Bank") and each of its representatives, successors, assigns, designees and finance providers with whom Daddys Bank has, or may in the future enter into, brokerage relationships ("Recipients"), to: (1) obtain consumer, business and investigative reports and other information about you, including credit pulls, from one or more consumer reporting agencies; (2) obtain bank statements, mortgage statements, tax returns and other records from banks, creditors and other third parties; (3) obtain the release, by any creditor or financial institution, of any information relating to you, to any Recipients; (4) transmit this application form, along with any of the foregoing information obtained in connection with this application, to any Recipients; and (5) contact you via e-mail, call and/or text-message at the e-mail address and/or phone number provided above, including wireless numbers (if applicable), even if listed on a Do-Not-Call registry, with respect to this application and future-related financing opportunities.

I have read and agree to the authorization above.

* required fields

Important Note: This is not an offer to lend. A HELOC is secured by real property — if you fail to make payments, the property pledged as collateral may be at risk of foreclosure. Any financing will be subject to lender approval of the subject property collateral, title, appraisal, and other restrictions. Terms, rates, and conditions are subject to change based on actual underwriting. Email loan@DaddysBank.com to discuss your application.

DADDYS BANK is a brand operated by WHITE OMAR LLC. DADDYS BANK is not a bank, lender, or FDIC-insured institution and does not originate, fund, or service loans. We operate as a finance brokerage that reviews qualified applications and submits them to independent third-party lenders in our network. All credit decisions, loan terms, rates, and conditions are made solely by the funding lender. This communication is not an offer, commitment, or guarantee of credit. For more information, email info@DaddysBank.com.

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Home Equity Line of Credit Application