Max LTV HELOC powered by Honest Casa
Every last usable percent Check My Max

The bank caps you at 80%. This line goes to 85% of your home's value.

Loan-to-value is the quiet setting that decides your entire HELOC. Most banks stop lending at 80% of your home's value minus your mortgage — this program goes to 85% combined loan-to-value. On a $500,000 home, those five points are an extra $25,000 of usable equity; on an $800,000 home, an extra $40,000. Same house, same equity you already built — a higher ceiling on how much of it you can actually use.

Up to 85% combined loan-to-value — five points above the typical bank cap
Check your real maximum in ~5 minutes — soft pull, no SSN required
Under $500K: digital valuation — no appraiser visit, no appraisal fee
85% CLTV ceilingMost banks stop at 80%
Every 1% = $5KOn a $500K home
~5 min rate checkSoft pull, no SSN
As fast as 3 days*From approval to funded
Your max is 60 seconds away 0%

How much do you want access to?

Drag the slider — then let the equity step show your real max. Check your rate as of .

$100,000

Available as a flexible line of credit

$15K$750K
Secure ~60 seconds No SSN needed

Let's find your maximum

This math runs at 85% of value minus your balance — the whole point of this site.

ESTIMATED MAX AVAILABLE AT 85% CLTV$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will you use the line for?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
Property—
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

85% CLTV
Combined loan-to-value ceiling — most banks stop the math at 80%
+$25K
Extra room on a $500K home vs. an 80% cap — every 1% of LTV is $5,000
~5 min
To check your rate — soft credit pull, no SSN required
Up to $750K
Line sizes that use the full ceiling on higher-value homes

The LTV math, in plain numbers

Combined loan-to-value = (your mortgage + your HELOC) ÷ your home's value. The ceiling decides everything.

At the bank's 80% cap

  • $600K home × 80% = $480K total lending ceiling
  • Minus a $400K mortgage → $80K maximum line
  • Recent buyers with 15% down often compute to almost nothing usable
  • The denial letter never explains that the cap — not you — was the reason

At this program's 85%

  • $600K home × 85% = $510K total lending ceiling
  • Minus the same $400K mortgage → $110K maximum line — 37% more
  • The same five points rescue recent buyers whose 80% math came up empty
  • Your actual max depends on credit and state — the form computes it in 60 seconds

Your maximum line, in 3 steps

Five extra points of LTV, same online process.

01

Check your rate & max

Answer a few quick questions and see what you may qualify for at up to 85% combined loan-to-value. No SSN required, soft credit pull only.

~5 minutes
02

Value confirmed digitally

Under $500K, an automated valuation prices your home from recorded sales and market comps — no appraiser visit, no fee, no three-week wait. Higher values get extra steps, handled for you.

Automatic
03

Close & draw your max

eSign with an online notary and get funds in as little as 3 days after approval.* Draw what you need now; the rest stays available through your draw period.

As fast as 3 days*

Why LTV is the number that actually matters

Five points is real money

The gap between 80% and 85% CLTV isn't academic: it's $25,000 on a $500K home, $40,000 on an $800K home. If the bank's cap left you short of your goal, the ceiling — not your equity — was the problem.

Recent buyers benefit most

Bought in the last few years? Your equity is mostly down payment plus early appreciation — and an 80% cap can leave almost nothing usable. The 85% ceiling is often the difference between a real line and a denial.

Consolidation needs the full number

Debt consolidation only works if the line covers everything — pay off four cards but not the fifth and the treadmill keeps running. Five extra points of LTV is frequently what lets the whole balance clear at once.

Max LTV, minimum paperwork

The higher ceiling doesn't mean a heavier process: bank-statement income options, no SSN to check your rate, and a digital valuation under $500K. Same 100% online flow.

85% CLTV vs. the standard 80% cap

What five points of loan-to-value actually unlocks, by home value.

Max LTV HELOCRECOMMENDEDTypical bank (80%)Credit union (80–90%*)
Combined LTV ceiling 85% 80% Varies; strict criteria
Extra room on a $500K home +$25,000 — Depends on program
Extra room on an $800K home +$40,000 — Depends on program
Rate check without SSN Yes — soft pull No No
In-person appraisal Not under $500K Usually Usually
Typical time to funding As little as 3 days* 3–6 weeks 4–8 weeks
Bank-statement income option Yes Rarely Rarely
Membership requirements None None Yes — join first

Frequently asked questions

What LTV can I actually get on a HELOC?
This program lends to 85% combined loan-to-value — meaning your first mortgage plus the new line can total up to 85% of your home's value, subject to credit and state. Most banks cap the same math at 80%, and that five-point gap is worth $5,000 per $100,000 of home value.
What does CLTV mean, exactly?
Combined loan-to-value: everything borrowed against the home — your mortgage plus the HELOC — divided by the home's value. A $400K mortgage plus a $110K line on a $600K home is 85% CLTV. It's the single setting that most determines your maximum line.
Why do banks stop at 80%?
Internal risk policy, mostly unchanged for decades. It's a blanket rule, not an assessment of you — the same borrower with the same credit gets five more points of ceiling here because the program is built for it.
Who benefits most from max LTV?
Recent buyers whose equity is mostly down payment (80% caps often leave them nothing usable), homeowners consolidating debt who need the line to cover every balance, and anyone whose goal came in just above what the bank's cap allowed.
Is a higher LTV riskier for me?
It's more borrowing power, and it deserves the same discipline as any borrowing: the payment is what matters, and interest accrues only on what you draw. Taking the max ceiling doesn't obligate you to use it — many owners take the larger line and draw a fraction.
How fast can I get the money?
Checking your rate takes about five minutes. After approval and closing, funds can arrive in as little as 3 days.* Digital valuation under $500K keeps the timeline short — no appraiser scheduling.
Will checking my rate hurt my credit score?
No. Prequalification uses a soft credit inquiry with no score impact, and no SSN is required to check your rate. A hard inquiry only occurs if you proceed with the full application.
Do I need tax returns to qualify?
No — income can be verified from bank statements through a secure, read-only connection. Self-employed and 1099 borrowers qualify on their real cash flow, not their write-offs.
Who is the lender?
This site is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

You built 100% of the equity. Use up to 85% of the house.

See your true maximum in about 5 minutes — soft pull, no SSN.

Check My Max Now
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