West Michigan Mortgage
Get Cash From Your Home Without Refinancing Your Low-Rate Mortgage
Rates change daily — check today's in under a minute.
How much cash are you looking for?
Step 1 of 2No impact to your credit. Takes under a minute.
Checking your options won't affect your credit.
Tap your home's equity for renovations, debt consolidation, or a cash reserve — while keeping the first mortgage rate you already have.
Answer a few quick questions and Chris, a licensed loan officer, will personally help you see what you qualify for.
21 yrs
Helping homeowners
800+
Families served
15 min
Approvals possible
Chris Alicki · NMLS #209290
1 Rate shown is the lowest available and is subject to change without notice. Your actual rate depends on creditworthiness, loan amount, combined loan-to-value, and other factors, and may be higher. APR = Annual Percentage Rate. This is not a commitment to lend. All loans subject to credit approval.
Equal Housing Lender“Chris is an amazing person. He streamlined everything and made it very easy for my wife and I. He is always checking in — it feels like I'm an actual person to him and not just another number. I will definitely be using him on the next go round as well.”
Terry Baker
Verified Google Review
“Chris and his team made the home buying process simple and stress-free. They were quick, clear, and attentive to every detail, which gave us total confidence from start to finish. We highly recommend WMM — you'll be in great hands.”
Brandon Miller
Verified Google Review
“Working with West Michigan Mortgage was a 5-star experience. Chris and Tom made me feel well informed and comfortable from our first conversations through closing. Their communication and availability was top notch — they went above and beyond.”
Rob Schoonmaker
Local Guide · Verified Google Review
“West Michigan Mortgage deserves more than five stars. The process was so streamlined and efficient, and their professionalism was unmatched. It was as easy as it could be. I highly recommend them.”
Natalie Luther
Local Guide · Verified Google Review
Your home equity options
Two flexible ways to access your equity
West Michigan Mortgage Home Equity Visa® Card
A credit card backed by your home equity. Use what you want, when you need it.
- Unlimited draws allowed within the draw period
- Variable rates on purchases (using the WSJ Prime index)
- Fixed rates available on cash-outs and balance transfers
- 5-year draw period
West Michigan Mortgage Home Equity Cash
Get cash up front with a traditional HELOC. Close in as fast as 15 minutes.
- 100% draw at origination
- Fixed rate on your initial draw
- Rates for additional draws are set at the time of each draw
- Flexible access throughout the draw period
All loans are subject to credit approval. This is not a commitment to lend.
Simple & transparent
How the process works
Four straightforward steps from first question to funded line of credit.
- 01
Tell us about your goals
Answer a few quick questions about your property and how much equity you'd like to access. No impact to your credit.
- 02
Talk with Chris
Book a quick call — or he'll reach out — to walk you through the home-equity options that fit your goals.
- 03
Approval
Get a decision on your line of credit, subject to credit approval and verification.
- 04
Funding
Sign and access your funds — draw what you need, when you need it.
Good to know
Frequently asked questions
A HELOC is a revolving line of credit secured by your home's equity. You're given a credit limit, draw money as needed during the draw period, and generally pay interest only on what you actually use — similar to how a credit card works, but backed by your home.
It depends on your home's value, your existing mortgage balance, combined loan-to-value limits (often in the 80–90% range), and your credit and income. Most lenders keep a buffer rather than lending against 100% of your equity. Your exact options are subject to credit approval.
Common requirements include reasonably good credit (often a 620–680+ minimum, with better terms at 700+), stable income, a manageable debt-to-income ratio, and enough remaining home equity — typically a 15–20% buffer after borrowing. All loans are subject to credit approval.
A HELOC is a revolving line with flexible borrowing — you draw and repay as needed, much like a credit card. A home equity loan is a one-time lump sum with a fixed rate and a fixed payment, much like a traditional loan. The right fit depends on how you plan to use the funds.
Homeowners commonly use a HELOC for home renovations, consolidating higher-interest debt into one payment, large planned expenses, or simply keeping a flexible reserve they can tap when needed. How you use your line is up to you.
Still have questions?
The fastest way to get answers is to see what you qualify for. It only takes a few minutes.
See What You Qualify ForAbout
Meet Chris Alicki
CEO & Founder, West Michigan Mortgage · NMLS #209290
Hi, I'm Chris.
I'm a loan officer, and recently I used a HELOC on my own home instead of refinancing my mortgage.
If you're wondering whether accessing your home's equity could make sense for you, I'll personally walk you through your options.
800+
families helped
21
years of experience