For California homeowners

Explore an Aven home equity line of credit

Future First Lending can help you consider an Aven HELOC as one way to finance a home project or another borrowing need. A HELOC uses your home as collateral and creates a repayment obligation. Approval and terms depend on the lender’s review.

A HELOC is secured by your home. If you don’t repay, you could lose your home. Approval and terms apply.

Initial offer check

A soft credit inquiry. No change to your credit score.

Information to prepare

Your name, contact, property and income details.

Borrowing responsibly

Repayment is required. Your home is collateral.

Your offer-check roadmap

Know the steps before you start.

  1. 01

    Get oriented

    Understand what Aven requests and how the initial offer check works.

  2. 02

    Prepare your details

    Name, contact, property and income information.

  3. 03

    Read the disclosures

    Review Aven’s credit-check and data-access consent before continuing.

Before you begin

What happens next

Understand the process before sharing personal information.

  1. 1

    Continue on Aven’s website

    Continue to Aven’s online prequalification form through Bryan Bowmer’s referral link.

  2. 2

    Prepare your information

    Provide identity, property and income details. The initial form offers an option to enter the last four digits of your Social Security number.

  3. 3

    Read the consent before continuing

    Review the form’s credit-check and data-access consent before continuing. The initial offer check uses a soft credit inquiry, which does not change your credit score. Later stages may involve additional verification or credit inquiries. Review Aven’s disclosures before proceeding.

A little more clarity

Common questions

Key details to understand before you move to Aven.

Will the initial offer check affect my credit score?

The initial offer check uses a soft credit inquiry, which does not change your credit score. Later stages may involve additional verification or credit inquiries. Review Aven’s disclosures before proceeding.

Does the initial form offer a last-four SSN option?

Yes. The initial form provides an ‘Enter last 4 instead’ option. This describes the initial form only; it does not mean all later stages require only the last four digits.

What information should I have ready?

The initial form asks for name, contact, property and income details. Read the form’s credit-check and data-access consent before continuing.

Who handles my prequalification?

Aven handles its prequalification and offer process on its website. Future First Lending provides guidance about your borrowing needs. Approval and terms depend on the lender’s review.

What does using my home as collateral mean?

A HELOC is secured by your home and creates a repayment obligation. If you do not make the required payments, you could lose your home.

Questions before starting?

Contact Bryan Bowmer at Future First Lending: (949) 617-0239 or bryan@futurefirstlending.com.

Bryan BowmerBroker Owner
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A HELOC is secured by your home. If you don’t repay, you could lose your home. Approval and terms apply.