Terms of Use

Service Area — Florida, Maryland & Virginia Only

Equity Line Direct serves homeowners with property located in Florida, Maryland, or Virginia exclusively. Content, rate figures, and application links on this Site are not an offer to residents of, or property located in, any other state. If your property sits outside these three states, nothing on this Site should be read as available to you.

Changes to These Terms

We may update these Terms at any time without prior notice. Continuing to use the Site after a change means you accept the updated Terms. We can also add, remove, or modify content and features on the Site at our discretion.

Informational Only — Not a Loan Offer

Everything published on this Site — rate figures, calculators, FAQ answers, state pages — is for general information only. Nothing here is a commitment to lend or an offer of specific loan terms. Actual eligibility, rate, credit limit, and terms are determined solely by Aven's underwriting once you submit an application on their platform, and can differ from any illustrative figure shown here.

The Aven Application Process

The "Check Your Rate" and "Apply" links on this Site take you to Aven's own application platform, operated independently of equitylinedirect.com. Equity Line Direct is not the lender: we're a marketing and referral relationship between Ryan Alexander, NMLS# 2052894, KORE Mortgage LLC, NMLS# 1879866, and Aven. Once you leave this Site to apply, your relationship for the application itself — including its own terms of use, privacy practices, and customer support — is with Aven, not with us.

No Tax, Legal, or Investment Advice

Nothing on this Site is tax, legal, or investment advice. Questions about how a HELOC affects your taxes, your estate, or your broader financial picture should go to a licensed CPA, attorney, or financial advisor — not to anything published here.

Calculator Tools Are Illustrative

The calculators on this Site (including the HELOC-vs-cash-out-refinance comparison and any equity estimator) use simplified, interest-only math and publicly sourced average rates to illustrate a concept. They are not quotes, and they exclude closing costs, escrow, amortization, and other factors that affect your real numbers. Rely on Aven's actual underwriting output, not a calculator on this Site, when making a decision.

No Warranty

The Site is provided "as is," without warranties of any kind, express or implied. We don't guarantee the Site will be available at all times, error-free, or free of interruptions, and we don't warrant the accuracy or completeness of any rate or statistic published here beyond citing its original source.

Limitation of Liability

To the fullest extent the law allows, Ryan Alexander, KORE Mortgage LLC, and their respective officers, employees, and agents are not liable for any indirect, incidental, or consequential damages arising from your use of the Site, any content on it, or your interaction with Aven's application platform after leaving the Site.

Third-Party Links

This Site links to Aven's application platform and to Alexander Capital Group, among other resources. Those sites operate under their own terms and privacy practices, which we don't control. A link from this Site isn't an endorsement of everything on the destination site.

Intellectual Property

The text, layout, and design of this Site belong to Ryan Alexander and KORE Mortgage LLC and are protected under applicable copyright and trademark law. You may view and print pages for personal, non-commercial reference. You may not copy, republish, or reuse this Site's content for commercial purposes, or systematically scrape it, without our written permission.

Electronic Communication

Standard email is not a secure channel. Don't send Social Security numbers, account numbers, or other sensitive financial details to us by ordinary email — use our contact form or Aven's secure application platform instead, both of which are built to handle that kind of information appropriately.

Equal Housing Lender

We comply with the Equal Credit Opportunity Act and the Fair Housing Act. Applicants are evaluated without regard to race, color, religion, national origin, sex, marital status, age, source of income, disability, or any other characteristic protected under federal or state law.

Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, without regard to conflict-of-law rules. Disputes arising from these Terms or your use of the Site are subject to the exclusive jurisdiction of state and federal courts located in Virginia.

Severability

If a court finds any part of these Terms unenforceable, that part is severed and the rest remains in effect.

Contact

Questions about these Terms: