# Home Equity Line of Credit (HELOC)

HELOC offers can be added to your mix with no additional work required - they are simply a subset of loans products. Talk to your designated partner manager about how to incorporate HELOC offers into your loans flow from a technical perspective. If your integration is a Partner Page or Embed, no work is needed from you. If your integration is a native API, there are just two additional fields to incorporate into your UI/offer card: `productSubType` and `productSubTypeDisclaimer`.

The more important consideration is the compliance aspect of HELOCs - they carry more stipulations than standard personal loans products. Please see the following sections for more details.

Engine by MoneyLion and its Partners must be prudent in rolling out HELOCs as these are mortgage products, therefore we must all ensure compliance with RESPA and other regulations. RESPA penalties are a double-edged sword; you are exposed to penalties whether you make or receive payouts in the event of a violation. The primary step towards compliance is allowing the consumer to shop without influencing their decision. Therefore, we will neither endorse nor recommend any particular lender or HELOC product.

{% content-ref url="heloc/risk-factors-and-requirements" %}
[risk-factors-and-requirements](https://even-financial.gitbook.io/developer-center/native-api-integrations/heloc/risk-factors-and-requirements)
{% endcontent-ref %}

{% content-ref url="heloc/dos-and-donts-for-all-heloc-supply-partners" %}
[dos-and-donts-for-all-heloc-supply-partners](https://even-financial.gitbook.io/developer-center/native-api-integrations/heloc/dos-and-donts-for-all-heloc-supply-partners)
{% endcontent-ref %}

{% content-ref url="heloc/dos-and-donts-for-heloc-native-partners-api" %}
[dos-and-donts-for-heloc-native-partners-api](https://even-financial.gitbook.io/developer-center/native-api-integrations/heloc/dos-and-donts-for-heloc-native-partners-api)
{% endcontent-ref %}

{% content-ref url="heloc/our-embed-partner-page-implementation" %}
[our-embed-partner-page-implementation](https://even-financial.gitbook.io/developer-center/native-api-integrations/heloc/our-embed-partner-page-implementation)
{% endcontent-ref %}

{% content-ref url="heloc/heloc-specific-disclosures" %}
[heloc-specific-disclosures](https://even-financial.gitbook.io/developer-center/native-api-integrations/heloc/heloc-specific-disclosures)
{% endcontent-ref %}


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