HELOC Pre-Qualifier
Find out if you qualify for a Home Equity Line of Credit in seconds. No impact on your credit score.
You Likely Qualify!
Your profile meets standard credit, LTV, and income requirements for a HELOC.
Includes mortgage + other debts
Loan-to-Value (LTV)
70.0%
Target: <80-90%
Debt-to-Income (DTI)
22.5%
Target: <43%
Analysis Factors:
Excellent credit score increases approval odds.
LTV is 70.0%, well within the 80% preferred limit.
DTI is 22.5%, which is excellent.
Note: This is an estimate, not a guarantee. Lenders also consider employment history, assets, and property type.
What Lenders Look For
Credit Score
Most lenders require a score of 680+, though some accept 620+. Higher scores unlock lower rates.
Equity (LTV)
You typically need to keep 15-20% equity in your home. This means your total loans can't exceed 80-85% of home value.
Income (DTI)
Your total monthly debt payments (including the new HELOC) usually shouldn't exceed 43% of your gross monthly income.
Ready to Get Official Rates?
This tool provides an estimate. To get real offers from lenders, start our secure pre-qualification process.
Get Pre-Qualified Now