Who a HELOC can fit
The most you can borrow depends on the property, your credit score and how much you owe. These are the highest limits our lenders allow.
| Property | Borrow up to, combined with your mortgage | Credit score from |
|---|---|---|
| The home you live in | 95% | 640 |
| Second home | 95% | 640 |
| Rental property (1–4 units) | 80% | 680 |
| Apply | ||
The home you live in
- Borrow up to, combined with your mortgage
- 95%
- Credit score from
- 640
Second home
- Borrow up to, combined with your mortgage
- 95%
- Credit score from
- 640
Rental property (1–4 units)
- Borrow up to, combined with your mortgage
- 80%
- Credit score from
- 680
Not sure you qualify? Apply once and we'll compare programs from several lenders for you.
*Combined loan-to-value (CLTV) of up to 95% for a primary residence or second home, and 80% for a rental property, when the line of credit is a second lien behind your current mortgage. Up to 90% when the home is owned free and clear. Limits vary by lender, credit score, line amount and property, and are lower for some. Minimum credit score 640 (680 for rental properties). Lines from $25,000 to $1,000,000. Properties in California. Subject to credit approval, appraisal and program guidelines; not all applicants will qualify.
What you could access on an $800,000 home
With $400,000 left on your mortgage and the highest limit (95% combined), the line of credit could be up to $360,000.
- home value
- $800,000
- left on your mortgage
- $400,000
- line of credit, at most
- $360,000
What homeowners use it for
Remodels and repairs
A new kitchen, a roof, an ADU. Draw what each stage costs, when it's due.
Debt consolidation
Bring credit cards and other balances together in one place.
Big expenses
Tuition, medical bills or a wedding, without touching your savings.
Your next property
Equity toward a down payment on a second home or rental.
STEP 1
Apply or call
Apply online in a few minutes or call (909) 921-3623. Tell me what you'd use the funds for and how much you need.
STEP 2
We compare lenders
I check your credit, equity and property against HELOC programs from several lenders, so you're not limited to one lender's rules.
STEP 3
Get your line
Once you're approved and close, draw from your line as you need it. Your first mortgage stays exactly as it is.
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Ready when you are.
The application takes a few minutes. If you'd rather talk first, call or text me at (909) 921-3623, or request a call back.
Jason Delaney
NMLS 153213
Helping California homeowners since 1995
From your first call to the day your line opens, I’ll be your go-to resource, and I’ll make sure you always feel like a priority. Because every one of my clients is.