Your Home's Equity, Ready When You Are
A modern home equity line with a fully digital application. Access lines up to $1,000,000 with no annual fee, 3 flexible ways to access your cash, and 2% unlimited cash back on purchases.
Checking your offer will not impact your credit score.
This material is for informational purposes only and is not a commitment to lend. All loans subject to credit approval, underwriting, and program eligibility. Rates, terms, and program availability subject to change without notice. Variable rate based on the WSJ Prime Rate plus a margin, with a maximum APR of 18%; a fixed-rate payback option is also available. Not all borrowers will qualify. Product availability varies by state.
Three Powerful Ways to Put Your Equity to Work
Debt ConsolidationPay Off High-Interest Debt
Consolidate credit cards, personal loans, and store cards into one home-secured line of credit to significantly simplify what you owe.
- Balance transfers made simple: Move balances in a few taps.
- Put your equity to work: More room and lower rates than cards.
- One payment to manage: Trade a stack of due dates for one predictable line.
Home ImprovementFund Renovations & Repairs
Turn your home's equity into your next project—kitchen remodels, new roofs, additions, or energy-efficient upgrades.
- Big projects, one line: Draw what you need when milestones hit.
- Only pay for what you use: Revolving line, not an expensive lump sum.
- No annual fee: Keep the line open at zero yearly cost.
Everyday AccessFast, Flexible Access to Cash
A card backed by your home's equity. Tap anywhere Visa is accepted while earning unlimited 2% cash back on eligible card purchases.
- 2% cash back unlimited: Real cash rewards on every card purchase.
- Fully digital application: Apply from home in minutes.
- Direct cash out: Transfer cash directly to your checking account anytime.
How the Automated HELOC Works
Check Your Rate
See your pre-qualified offer in minutes with no impact to your credit score.
Digital Valuation
No appraisers walking through your home. An automated valuation model checks equity.
Notarize Online
Complete a fast digital notarization from your couch. No driving to a title office.
Access Your Funds
Transfer cash, transfer balances, or tap your Aven card with 2% cash back.
Not sure if a HELOC is your best path?
Sometimes an automated HELOC is the fastest, cheapest tool to consolidate card debt without touching your low first-mortgage rate. Other times, a full refinance or first mortgage adjustment makes more sense. Ramzi Faraj is here to analyze your numbers and guide you honestly.
Automated HELOC FAQs
What Our Clients Say About Ramzi Faraj & Citizens State Bank
Real feedback from homeowners, investors, and clients across Michigan who trusted Ramzi with their mortgage journey.
Ready to Unlock Your Home's Equity?
Check your rate with no impact to your credit score. Lines from $5,000 to $1,000,000 with no annual fee.
Equal Housing Opportunity. The Aven Home Equity Line of Credit is subject to credit approval and is available to qualifying homeowners; not all applicants will qualify. This is an advertisement and not a commitment to lend. Lines from $5,000 to $1,000,000. Variable rate based on the WSJ Prime Rate plus a margin, with a maximum APR of 18%; a fixed-rate payback option is also available. Fees may apply to cash outs and balance transfers (0% to 4.9%). Cash back on card purchases applies to eligible purchases; terms apply. Rates, terms, and availability are subject to change and may vary by state. Consult a licensed professional for details specific to your situation.
Ramzi Faraj — Citizens State Bank
Mortgage Coach for Life