Question 1

What makes equity appreciation loans different from a HELOC?

Accepted Answer

HELOCs are revolving credit lines based on current equity. Equity appreciation loans factor in projected value growth, which can change your terms.

Question 2

Do I need a lot of equity in my Upland home to qualify?

Accepted Answer

Most programs require at least 20% equity. Your exact threshold depends on the lender and program structure.

Question 3

Can SRK CAPITAL find these programs for Upland borrowers?

Accepted Answer

Yes. SRK CAPITAL works with 200+ wholesale lenders across California. We actively shop for specialty equity products that retail banks don't offer.

Question 4

Will my credit score affect approval for these loans?

Accepted Answer

Yes — credit still matters. Lenders evaluate your full profile, not just equity. Stronger credit typically means better program terms.

Question 5

Are equity appreciation loans considered non-QM products?

Accepted Answer

Not necessarily. Some programs qualify under standard guidelines. Others are specialty structures. The product determines the classification.

Equity Appreciation Loans in Upland, CA