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 to access your funds when you need them, and 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 and balance transfers from higher interest loans and credit cards.
1Loan puts your home equity to work, your way.
No spam. Just early-access updates.