What credit score do you need for Heloc?

Updated date: Tuesday, July 8, 2025 - 19:43
What credit score do you need for Heloc?

Mortgage Guide

Requirements for borrowing against home equity vary by lender, but these standards are typical: Equity in your home of at least 15% to 20% of its value, which is determined by an appraisal. Debt-to-income ratio of 43%, or possibly up to 50% Credit score of 620 or higher.

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