Loan Exchange, LLC d/b/a The Loan Exchange is a CA residential mortgage lender offering Home Equity Line of Credit (HELOC) and first lien mortgages. California loans are made pursuant to Loan Exchange, LLC’s California Department of Financial Protection and Innovation License # 603L358 NMLS Unique Identifier # 1637539. With a HELOC you can use the equity in your home to cover anything from medical bills to car repairs and more. Enjoy flexible payment options and the ability to draw on your credit line as needed. HELOC is a rainy day funds before the rain. Just like a credit card, it Is free to get a HELOC.