1Loan is the smarter way to ReFi.
- The power of a mortgage refinance with the flexibility of a HELOC
- Fund in as fast as 15 days – faster than conventional refi
- Borrow again when you need it with redraw flexibility
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- Swipe with the Trovy Card
- Take cash out via ACH/ATM
- Finance in as fast as 15 days
- Coming in Early 2026
For the savvy homeowner
1loan is designed for savvy homeowners who want to refinance high-interest mortgage debt and unlock flexibility for the future.1
Refinance fast, without mountains of paperwork
Avoid the delays of traditional mortgage refis. 1loan offers a streamlined process built for speed, not red tape.
Access to your equity even after refinancing
1loan is a HELOC that allows you to draw additional funds on day 1 of your refinance, and redraw as you pay your loan back. Draw funds anytime – via ACH, ATM, or your 1loan Card.
Go big with jumbo and non-QM refinance options
Borrow up to $2 million – both conforming and non-conforming agency loans qualify for 1loan refinancing.
Frequently asked questions
See allWhat is the Trovy 1Loan?
The Trovy 1Loan is a flexible credit solution that lets you refinance your existing mortgage or HELOC-whether it's a first or second lien-while giving you the ability to redraw funds when you need them. It's a faster, smarter way to access equity.
How is Trovy 1Loan different from a traditional refinance?
Unlike a traditional mortgage refinance, the Trovy 1Loan offers:
- A simplified and faster approval process
- Redraw capability: access your funds when you need them
- Eligibility for self-employed or non-traditional borrowers who may not qualify for agency loans
What kinds of loans can I refinance with the Trovy 1Loan?
You can refinance a first or second-lien closed-end mortgage or HELOC.
Who is the Trovy 1Loan for?
The Trovy 1Loan is for homeowners with higher-rate HELOCs or mortgages who want to refinance quickly and want flexible access to credit after refinancing. The Trovy 1Loan is also a great option for borrowers who don't qualify for traditional or agency loans, such as self-employed individuals, entrepreneurs, or those buying homes above agency limits (e.g., $960K+ homes).
How do redraws work after I refinance?
With the Trovy 1Loan, you can draw on your loan multiple times after you refinance.
After you refinance, you can access funds as needed through:
- ACH transfers to your bank account
- Balance transfers from higher interest loans and credit cards
1Loan puts your home equity to work, your way.
No spam. Just early-access updates.