HELOC Inquiries
Prefill a HELOC application, show borrowers real offers, and hand them to Figure to close, all from your own platform.
On this page· 3 sections
A HELOC inquiry is a prefilled application. Your loan officer, or your own website, sends Figure the borrower's details. Figure matches credit and the property, works out real offers, and tells you what to do next. When the borrower picks an offer, they continue on Figure to finish and close.
Integration guide
Every call, with request and response payloads.
API reference
Endpoints, parameters, and schemas.
Test in UAT
Test data for every scenario.
The lifecycle at a glance#
Every inquiry moves through four stages. Figure processes each change in the background, then tells you what's needed next: the inquiry webhook sends it as nextInquiryStepType, and inquiry details return it as data.appData.nextInquiryStep. Select a step to see what it means and which endpoint handles it.
Inquiry lifecycleSelect a step to see what to do
Step 1
Submit
Figure processes in the background
Webhook when the next step is ready
Step 2
Resolve, if asked
Each fix sends it back to processing
Returns to step 1 processing
Step 3
Choose an offer
Show offers to the borrower
Step 4
Hand off to Figure
The borrower continues with Figure
Start inquiry
You send the applicant and property details. Figure matches credit, the property, and liens, then runs underwriting in the background.
Wait for the inquiry webhook (or poll inquiry details) to learn the next step.
To see every call between your system and Figure in order, follow the HELOC inquiry flow in the integration guide.
Quickstart#
Look up your loan officer
Every request names the loan officer it's for. Fetch your loan officers and keep their
GETloanOriginatorUuidvalues./management /v1 /loan-originator, List loan originators Start an inquiry
Send the applicant, income, and property, encrypted with JWE or the Encryption API. Save the
POSTappUuidin the response./products /heloc /v1 /inquiry /start, Start an inquiry Wait for the next step
Figure processes the inquiry in the background and calls your webhook with
GETnextInquiryStepTypewhen it's ready. You can also poll the inquiry's details and readdata.appData.nextInquiryStep./products /heloc /v1 /details /{appUuid}, Retrieve inquiry details Resolve anything that's needed
If the next step asks for something, such as an SSN, a property selection, or more income, send it with the matching endpoint. See Handling unhappy paths.
Select an offer
Once offers are ready, select one. Retail partners are done here: send the borrower to Figure to finish their application.
PUT/products /heloc /v1 /inquiry /{appUuid} /select-offer, Select an offer Complete the inquiry (wholesale only)
Wholesale (TPO) partners select with
POSTsuppressCompletion=true, review the agreement package, then complete the inquiry./products /heloc /v1 /inquiry /{appUuid} /complete-inquiry, Complete an inquiry