Homeowners
HELOC
Home value and first-mortgage balance. We typically cap the combined loans at 89.99% of the home’s value in the strongest credit band, then tighten that as scores drop. This is a screening number — apply to see what actually prices, without a hard credit pull until you move forward.
Equity
What might be available
$
$
740+ · up to 89.99% of the home’s value
Estimated line
$124,955
Rough available line using 89.99% of the home’s value for this credit range.
- Current equity
- $170,000
- Current combined loan-to-value
- 62.2%
- Typical max for your credit
- 89.99%
- Best case (89.99%)
- $124,955
- Mortgage + HELOC
- $404,955
- Home value
- $450,000
- This is a screening number, not an approval. How you use the home, the property type, and the first mortgage still matter.
Checking your credit to see options doesn’t affect your score. A full inquiry only happens if you move forward. Approval can be minutes; funds in as little as five days when everything is in order. Not all customers will qualify.