Licensing

Licensing and disclosures

HELOCHQ is operated by Shawn Way, NMLS #1007298, California DRE #01853928. Loans are offered through West Capital Lending, Inc., NMLS #1566096, licensed by the California Department of Real Estate, real estate broker license #02022356, 17911 Von Karman Ave, Suite 400, Irvine, CA 92614. Verify on NMLS Consumer Access.

Shawn Way's state licenses

Shawn Way's individual loan originator licenses, as listed on NMLS Consumer Access on October 23, 2026: 37 active, regulatory actions: none posted in nmls. Where a state issues no separate number, the NMLS ID is the license identifier.

West Capital Lending, Inc. state licenses

West Capital Lending, Inc.'s state licenses, with license types and numbers for each state, are listed on West Capital Lending's licensing page and can be verified on NMLS Consumer Access.

Disclosures

Equal Housing Opportunity. Rates, payments and borrowing amounts on this site are estimates for illustration only, not an offer of credit or a commitment to lend. HELOC APRs are variable, based on the prime rate plus a margin, and can increase. All loans are subject to credit approval, verification of income and property value, and underwriting. A HELOC is secured by your home; failure to repay can result in foreclosure. Consult a tax advisor about deductibility of interest.

HELOC terms: Variable APRs shown are based on the Prime Rate published in The Wall Street Journal (7.00% as of October 28, 2026) plus a margin, and can change after the account is opened. With a fixed-rate HELOC, the full line (minus the origination fee) is drawn at closing at a fixed rate. As you repay, you can draw again during the draw period; each additional draw is priced on the date you take it at an index, the Prime Rate published in The Wall Street Journal for the calendar month before the draw, plus a fixed margin, so it may be higher than the fixed rate on the first draw. HELOC APRs don't include costs other than interest. The maximum APR is 18.00%, or the maximum allowed by applicable law if lower; the minimum APR is 4.00%. All fees to open the line, including lender and third-party costs such as title, valuation and recording, range from 0% to 4.99% of the loan amount, depending on line size, property and state, and are generally paid from the loan proceeds; you'll receive an itemized estimate before you commit. An annual fee of $50 applies for the life of the line. There is no prepayment penalty. Property insurance is required, and flood insurance may be required. Rates and payments shown are examples for illustration, not an offer of credit.

Not all products are available in all states or for all loan amounts. Programs, rates, terms and conditions are subject to change without notice.

Texas complaint and recovery fund notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV.