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All 50 States

HELOC Guides by State

HELOC requirements, rates, and regulations vary by state. Find specific information for where you live.

Get Your State's Best Rates
50
State Guides
7.5-9.5%
Rate Range
620+
Min Credit Score
80-85%
Max LTV

Northeast

ConnecticutMaineMassachusettsNew HampshireNew JerseyNew YorkPennsylvaniaRhode IslandVermont

Southeast

AlabamaArkansasFloridaGeorgiaKentuckyLouisianaMississippiNorth CarolinaSouth CarolinaTennesseeVirginiaWest Virginia

Midwest

IllinoisIndianaIowaKansasMichiganMinnesotaMissouriNebraskaNorth DakotaOhioSouth DakotaWisconsin

Southwest

ArizonaNew MexicoOklahomaTexas

West

AlaskaCaliforniaColoradoHawaiiIdahoMontanaNevadaOregonUtahWashingtonWyoming

Mid-Atlantic

DelawareMaryland

What Each State Guide Covers

📋

State Requirements

Credit score minimums, equity requirements, and documentation needed in your state.

💰

Current Rates

Average HELOC rates from top lenders operating in your state.

🏦

Top Lenders

Banks, credit unions, and online lenders with the best offers in your area.

⚖️

State Laws

Unique regulations, homestead exemptions, and legal considerations.

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