---
title: HELOC Inquiries
description: Prefill a HELOC application, show borrowers real offers, and hand them to Figure to close, all from your own platform.
---

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.

{% cards columns=3 %}
{% card title="Integration guide" href="/heloc-inquiries/guide" icon="book" %}
Every call, with request and response payloads.
{% /card %}
{% card title="API reference" href="/api/heloc-inquiries" icon="api" %}
Endpoints, parameters, and schemas.
{% /card %}
{% card title="Test in UAT" href="/partner-onboarding/uat-testing/heloc-testing" icon="test" %}
Test data for every scenario.
{% /card %}
{% /cards %}

## 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](/heloc-inquiries/details) return it as `data.appData.nextInquiryStep`. Select a step to see what it means and which endpoint handles it.

{% inquiry-lifecycle /%}

To see every call between your system and Figure in order, follow the [HELOC inquiry flow](/heloc-inquiries/guide#heloc-inquiry-flow) in the integration guide.

## Quickstart

{% steps %}
{% step title="Look up your loan officer" %}
Every request names the loan officer it's for. Fetch your loan officers and keep their `loanOriginatorUuid` values.

{% endpoint method="GET" path="/management/v1/loan-originator" /%}
{% /step %}
{% step title="Start an inquiry" %}
Send the applicant, income, and property, encrypted with [JWE](/jwe-data-protection/intro) or the [Encryption API](/jwe-data-protection/encryption-api). Save the `appUuid` in the response.

{% endpoint method="POST" path="/products/heloc/v1/inquiry/start" /%}
{% /step %}
{% step title="Wait for the next step" %}
Figure processes the inquiry in the background and calls your [webhook](/webhooks#default-inquiry-webhooks) with `nextInquiryStepType` when it's ready. You can also poll the inquiry's details and read `data.appData.nextInquiryStep`.

{% endpoint method="GET" path="/products/heloc/v1/details/{appUuid}" /%}
{% /step %}
{% step title="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](/heloc-inquiries/guide#handling-unhappy-paths).
{% /step %}
{% step title="Select an offer" %}
Once offers are ready, select one. Retail partners are done here: send the borrower to Figure to finish their application.

{% endpoint method="PUT" path="/products/heloc/v1/inquiry/{appUuid}/select-offer" /%}
{% /step %}
{% step title="Complete the inquiry (wholesale only)" %}
Wholesale (TPO) partners select with `suppressCompletion=true`, review the [agreement package](/heloc-inquiries/guide#fetch-agreement-package), then complete the inquiry.

{% endpoint method="POST" path="/products/heloc/v1/inquiry/{appUuid}/complete-inquiry" /%}
{% /step %}
{% /steps %}

## Go further

{% cards %}
{% card title="Pre-qualification" href="/heloc-pre-qualification/guide" icon="gauge" %}
Show estimated offers before the borrower applies.
{% /card %}
{% card title="Application details" href="/heloc-inquiries/details" icon="file-search" %}
What each field in the application response means.
{% /card %}
{% card title="Download documents" href="/heloc-inquiries/download-docs" icon="download" %}
Retrieve disclosures and closing documents.
{% /card %}
{% card title="Enum types" href="/heloc-inquiries/enum-types" icon="list" %}
Every value of `NextInquiryStepType` and friends.
{% /card %}
{% /cards %}