Aven's automated underwriting system generates offers based on applicants’ income, equity, credit, and debt obligations. If you opened a HELOC or HELOAN with another lender within the last 12 months, or received a fully underwritten HELOC or HELOAN offer within the last 30 days with terms comparable to HELOCs that we offer, we will beat your APR or give you $250. Restrictions apply. See HELOC Rate Guarantee Terms and Conditions for details.