@Travis Bowen I cultivated a long list of HELOC providers from people who have closed with those HELOCs on rental properties. They are more difficult to source. You might want to attend a local meetup and ask for recommendations. Also, small community banks and local credit unions tend to offer more flexible lending options. Call and ask each one in your locality. I suggest pulling your own FICO so you can ask about them without each lender pulling your credit.

@Clayton Coombs, my best suggestion is small community bank and credit unions near the subject property.  Here's the updated list. 

All in One, Ridge Lending, first position HELOC. CMG Financial.

America First Credit Union 80% LTV on noo 65% LTV UT, MO

Arvest Bank AR, OK, AL, MO

Bancorp South, TX HELOCS & Lines of Credit on free and clear houses

BankNewport

Bank of Southern California, CA

Bank of West (BNP Paribas) 60% LTV CA, AZ, OR

BankRI

BB&T will loan on a rental portfolio

BBVA, now PNC

BECU for OR

Best Finance www.bestfinance.io No closing costs, fixed rates

Bellwether Community Credit Union, NH and MA 85% to 100%, draw 10 yrs

BMO Harris, 3 HELOCs to 70% LTV

Boeing Employee Credit Union

Cal Coast Credit Union, CA

Central Pacific Bank, HI

CFSBank will do on LLC, PA

Change Wholesale

Charter Oak FCU, CT

Chelsea Groton Bank, CT IPLOC (investment property LOC)

Citizens Bank -MN

Citizens, first position HELOC

CMG Financial 70% LTV. Aadvertises downpayment assistance through crowdfunding.

Coastal1, RI

Coastal Federal Bank of NC

Consolidated CCU, high LTV NOO LOC, OR, WA

Community Credit Union Will do HELOC on a rental in Florida.

Credit Union West, AZ 80% LTV

East West Bank, up to 60% LTV with "no docs” CA, WA, NV, GA, NY, TX and MA. Super easy.

Eastern CT Savings Bank, CT

Fairway Independent mortgage corporation- uses blockchain to close in as few as 5 days. Up to $400k, fixed 5, 10, 15 or 30 year terms with draws after the initial draw. Min FICO of 620 for primary and 680 for investment properties.

Fairwinds will do HELOC on rental property in 2023. 15 year draw, quick approval and fast closing, no application fee and no annual fee.

Family First Funding, Frank Avallone HELOC in New Jersey for investments properties.

Figure 80% on a rental, not in LLC. 640 FICO 95% LTV on primary. DTI must be under 50% and they prefer under 43% (not in FL)

Finance of America, 95% CLTV, second home only, 680 FICO, not TX

FirstBank CO and AZ 70% LTV

First Citizens

First Commonwealth

First Florida Credit Union FL

First Midwest, IL up to 90% Chicago area

First Republic - CA

First State Bank of LeCenter Minneapolis, MN

First Tech Federal. OR and other Western states. Up to 80% if FICO is over 780, no appraisal under $250k value.

Fremont Bank- up to 60% CA, Sacramento area

Frost Bank - TX. Great for HELOCs in DFW

Fulton Bank, PA, NJ to 75% LTV

GFA Federal Credit Union 10 yr draw, 10 yr repay, MA, NH

Golden1 California HELOC Sacramento Valley

Granite State CU, NH 90-100%

Great Lakes Credit Union, Chicago area IL

GTE Financial, Tampa, Sarasota area FL w 2 yrs tax history on property

Hanscom FCU, not TX or NY

HarborOne, RI

HSBC 70%, for premier clients only. FL, NY, MD, CA, VA, NJ,

Horizon Bank, Kalamazoo MI

Hughes Federal Credit Union

Huntington MI 75% LTV 5 yr IO product available. Someone reported 80%…need confirmation

Hurst Lending and Insurance Investment property HELOC in Texas. No seasoning. Bridge, portfolio, foreign national and other specialty loan products.

KeyBank, flexible lender, HELOCs on second
homes and rental properties. 90% LTV on primary. BLOC FL, CO, OH, UT, ID

Lafayette Ambassador Bank is now Fulton Bank

Langley FCU 70% LTV

Loan Depot supposed to have new HELOC product.

Lumen Mortgage (CA and OR), Agricultural lending

Merchants Bank MN See Pavel Ushakov

Mid-Hudson Valley FCU

Mountain America CU Utah, ID, MT, NV, AZ, NM. 85% LTV, promo rate of 1.99%. Can refi an existing mortgage to a shorter term “Mini Mortgage.” Salt Lake (also Zions)

Navy Federal 80% LTV

Nevada State Bank, in first position

Norway Savings Bank, Maine

Omaha Mortgage

One Nevada Credit Union

Oregonians CU - OR

PenFed - max 3 other properties, including primary. 80% LTV, prime + 1%, <4 properties. Pulls Equifax.

Peoples Bank of NC

Pioneer Bank, MN

PNC Bank on primary and secondary (2nd homes) must be in personal name and 50% DTI is required.

PSECU up to 80%

Quorum Federal Credit Union 80% LTV, owned by LLC is OK. Very flexible lender. NY. 5 year draw, IO for 5 yrs and PI for 10 year repayment period. FICO at least 680. Not in Texas. ***one investor said her line was reduced in Nov22 ***

Red Canoe Credit Union, WA OR

Regions

Renofi Purposed for ADU financing

River Bank & Trust, AL

Rivermark Credit Union, OR 90% LTV

Santa Ana Credit Union CA

Savannah Bank in NY, call it commercial LOC, up to 75% LTV.

SCCU Florida 80% LTV, 2.75% first year promo, not LLC

SECU NC 65% LTV rate 2.75% Oct 2021

***Signature Federal Credit Union 80% LTV to 100% LTV (100% on primary residence). All States. Fixed rate in Texas. 75% for NOO properties.

Silvergate Bank, CA

Sound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.” CT

SouthEast Bank TN

Spring EQ will do a HE Loan on an investment up to 90%

Symmetry

S&T Bank, PA

TBK Bank, CO, NM, KS

TCF Bank, FL, GA

TD Bank 75% line with FICO about 740. Up to 4 properties. PA, FL

Torrey Pines Bank, see also Western Alliance Bank Corp. Commercial real estate solutions for developers, home builders.

Troy Bank & Trust, AL

Trustco Bank, FL, NY, NJ, MA, VT. Paused offering HELOCs.

Trustmark Bank, TX. Call it a LOC rather than a HELOC

Umpqua Bank 80 LTV

Union Bank, specializes in noo HELOC. KCMO, NE., MUFG.

Univest Bank, $100k per line and 10 yr draw

Upstate Bank in Rochester NY, LOC up to 80%

US Bank 80%. “Business equity line of credit: Use Real Estate as Equity” up to $500k, interest only. gather your business and personal tax returns, financial statements, articles of incorporation and other legal documents.”

Vectra Bank - Colo

Veritex, TX HELOC

Webster Bank, CT, RI

WAFD Bank. Origination fee 1% or $700. Can be in an LLC, max 75% LTV. WA, OR, UT, NV, ID, NM, AZ, TX. All-in-One construction loan, too. They don’t sell, assign, or transfer the loan.

WellsFargo 60% LTV Up to 5 properties.

Workers Credit Union, MA 80-100%

WSFS...up to 70% on rental

Zions Bank, Utah. Call it HECL



High primary, not investment, HELOC:
Spring EQ 97.5% and fast, at 11 days

@Clayton Coombs, my best suggestion is small community bank and credit unions near the subject property.  Here's the updated list. 

All in One, Ridge Lending, first position HELOC. CMG Financial.

America First Credit Union 80% LTV on noo 65% LTV UT, MO

Arvest Bank AR, OK, AL, MO

Bancorp South, TX HELOCS & Lines of Credit on free and clear houses

BankNewport

Bank of Southern California, CA

Bank of West (BNP Paribas) 60% LTV CA, AZ, OR

BankRI

BB&T will loan on a rental portfolio

BBVA, now PNC

BECU for OR

Best Finance www.bestfinance.io No closing costs, fixed rates

Bellwether Community Credit Union, NH and MA 85% to 100%, draw 10 yrs

BMO Harris, 3 HELOCs to 70% LTV

Boeing Employee Credit Union

Cal Coast Credit Union, CA

Central Pacific Bank, HI

CFSBank will do on LLC, PA

Change Wholesale

Charter Oak FCU, CT

Chelsea Groton Bank, CT IPLOC (investment property LOC)

Citizens Bank -MN

Citizens, first position HELOC

CMG Financial 70% LTV. Aadvertises downpayment assistance through crowdfunding.

Coastal1, RI

Coastal Federal Bank of NC

Consolidated CCU, high LTV NOO LOC, OR, WA

Community Credit Union Will do HELOC on a rental in Florida.

Credit Union West, AZ 80% LTV

East West Bank, up to 60% LTV with "no docs” CA, WA, NV, GA, NY, TX and MA. Super easy.

Eastern CT Savings Bank, CT

Fairway Independent mortgage corporation- uses blockchain to close in as few as 5 days. Up to $400k, fixed 5, 10, 15 or 30 year terms with draws after the initial draw. Min FICO of 620 for primary and 680 for investment properties.

Fairwinds will do HELOC on rental property in 2023. 15 year draw, quick approval and fast closing, no application fee and no annual fee.

Family First Funding, Frank Avallone HELOC in New Jersey for investments properties.

Figure 80% on a rental, not in LLC. 640 FICO 95% LTV on primary. DTI must be under 50% and they prefer under 43% (not in FL)

Finance of America, 95% CLTV, second home only, 680 FICO, not TX

FirstBank CO and AZ 70% LTV

First Citizens

First Commonwealth

First Florida Credit Union FL

First Midwest, IL up to 90% Chicago area

First Republic - CA

First State Bank of LeCenter Minneapolis, MN

First Tech Federal. OR and other Western states. Up to 80% if FICO is over 780, no appraisal under $250k value.

Fremont Bank- up to 60% CA, Sacramento area

Frost Bank - TX. Great for HELOCs in DFW

Fulton Bank, PA, NJ to 75% LTV

GFA Federal Credit Union 10 yr draw, 10 yr repay, MA, NH

Golden1 California HELOC Sacramento Valley

Granite State CU, NH 90-100%

Great Lakes Credit Union, Chicago area IL

GTE Financial, Tampa, Sarasota area FL w 2 yrs tax history on property

Hanscom FCU, not TX or NY

HarborOne, RI

HSBC 70%, for premier clients only. FL, NY, MD, CA, VA, NJ,

Horizon Bank, Kalamazoo MI

Hughes Federal Credit Union

Huntington MI 75% LTV 5 yr IO product available. Someone reported 80%…need confirmation

Hurst Lending and Insurance Investment property HELOC in Texas. No seasoning. Bridge, portfolio, foreign national and other specialty loan products.

KeyBank, flexible lender, HELOCs on second
homes and rental properties. 90% LTV on primary. BLOC FL, CO, OH, UT, ID

Lafayette Ambassador Bank is now Fulton Bank

Langley FCU 70% LTV

Loan Depot supposed to have new HELOC product.

Lumen Mortgage (CA and OR), Agricultural lending

Merchants Bank MN See Pavel Ushakov

Mid-Hudson Valley FCU

Mountain America CU Utah, ID, MT, NV, AZ, NM. 85% LTV, promo rate of 1.99%. Can refi an existing mortgage to a shorter term “Mini Mortgage.” Salt Lake (also Zions)

Navy Federal 80% LTV

Nevada State Bank, in first position

Norway Savings Bank, Maine

Omaha Mortgage

One Nevada Credit Union

Oregonians CU - OR

PenFed - max 3 other properties, including primary. 80% LTV, prime + 1%, <4 properties. Pulls Equifax.

Peoples Bank of NC

Pioneer Bank, MN

PNC Bank on primary and secondary (2nd homes) must be in personal name and 50% DTI is required.

PSECU up to 80%

Quorum Federal Credit Union 80% LTV, owned by LLC is OK. Very flexible lender. NY. 5 year draw, IO for 5 yrs and PI for 10 year repayment period. FICO at least 680. Not in Texas. ***one investor said her line was reduced in Nov22 ***

Red Canoe Credit Union, WA OR

Regions

Renofi Purposed for ADU financing

River Bank & Trust, AL

Rivermark Credit Union, OR 90% LTV

Santa Ana Credit Union CA

Savannah Bank in NY, call it commercial LOC, up to 75% LTV.

SCCU Florida 80% LTV, 2.75% first year promo, not LLC

SECU NC 65% LTV rate 2.75% Oct 2021

***Signature Federal Credit Union 80% LTV to 100% LTV (100% on primary residence). All States. Fixed rate in Texas. 75% for NOO properties.

Silvergate Bank, CA

Sound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.” CT

SouthEast Bank TN

Spring EQ will do a HE Loan on an investment up to 90%

Symmetry

S&T Bank, PA

TBK Bank, CO, NM, KS

TCF Bank, FL, GA

TD Bank 75% line with FICO about 740. Up to 4 properties. PA, FL

Torrey Pines Bank, see also Western Alliance Bank Corp. Commercial real estate solutions for developers, home builders.

Troy Bank & Trust, AL

Trustco Bank, FL, NY, NJ, MA, VT. Paused offering HELOCs.

Trustmark Bank, TX. Call it a LOC rather than a HELOC

Umpqua Bank 80 LTV

Union Bank, specializes in noo HELOC. KCMO, NE., MUFG.

Univest Bank, $100k per line and 10 yr draw

Upstate Bank in Rochester NY, LOC up to 80%

US Bank 80%. “Business equity line of credit: Use Real Estate as Equity” up to $500k, interest only. gather your business and personal tax returns, financial statements, articles of incorporation and other legal documents.”

Vectra Bank - Colo

Veritex, TX HELOC

Webster Bank, CT, RI

WAFD Bank. Origination fee 1% or $700. Can be in an LLC, max 75% LTV. WA, OR, UT, NV, ID, NM, AZ, TX. All-in-One construction loan, too. They don’t sell, assign, or transfer the loan.

WellsFargo 60% LTV Up to 5 properties.

Workers Credit Union, MA 80-100%

WSFS...up to 70% on rental

Zions Bank, Utah. Call it HECL



High primary, not investment, HELOC:
Spring EQ 97.5% and fast, at 11 days

Can you get HELOC on rental property or is it only on Personal homes?

@Clayton Coombs, my best suggestion is small community bank and credit unions near the subject property.  Here's the updated list. 

All in One, Ridge Lending, first position HELOC. CMG Financial.

America First Credit Union 80% LTV on noo 65% LTV UT, MO

Arvest Bank AR, OK, AL, MO

Bancorp South, TX HELOCS & Lines of Credit on free and clear houses

BankNewport

Bank of Southern California, CA

Bank of West (BNP Paribas) 60% LTV CA, AZ, OR

BankRI

BB&T will loan on a rental portfolio

BBVA, now PNC

BECU for OR

Best Finance www.bestfinance.io No closing costs, fixed rates

Bellwether Community Credit Union, NH and MA 85% to 100%, draw 10 yrs

BMO Harris, 3 HELOCs to 70% LTV

Boeing Employee Credit Union

Cal Coast Credit Union, CA

Central Pacific Bank, HI

CFSBank will do on LLC, PA

Change Wholesale

Charter Oak FCU, CT

Chelsea Groton Bank, CT IPLOC (investment property LOC)

Citizens Bank -MN

Citizens, first position HELOC

CMG Financial 70% LTV. Aadvertises downpayment assistance through crowdfunding.

Coastal1, RI

Coastal Federal Bank of NC

Consolidated CCU, high LTV NOO LOC, OR, WA

Community Credit Union Will do HELOC on a rental in Florida.

Credit Union West, AZ 80% LTV

East West Bank, up to 60% LTV with "no docs” CA, WA, NV, GA, NY, TX and MA. Super easy.

Eastern CT Savings Bank, CT

Fairway Independent mortgage corporation- uses blockchain to close in as few as 5 days. Up to $400k, fixed 5, 10, 15 or 30 year terms with draws after the initial draw. Min FICO of 620 for primary and 680 for investment properties.

Fairwinds will do HELOC on rental property in 2023. 15 year draw, quick approval and fast closing, no application fee and no annual fee.

Family First Funding, Frank Avallone HELOC in New Jersey for investments properties.

Figure 80% on a rental, not in LLC. 640 FICO 95% LTV on primary. DTI must be under 50% and they prefer under 43% (not in FL)

Finance of America, 95% CLTV, second home only, 680 FICO, not TX

FirstBank CO and AZ 70% LTV

First Citizens

First Commonwealth

First Florida Credit Union FL

First Midwest, IL up to 90% Chicago area

First Republic - CA

First State Bank of LeCenter Minneapolis, MN

First Tech Federal. OR and other Western states. Up to 80% if FICO is over 780, no appraisal under $250k value.

Fremont Bank- up to 60% CA, Sacramento area

Frost Bank - TX. Great for HELOCs in DFW

Fulton Bank, PA, NJ to 75% LTV

GFA Federal Credit Union 10 yr draw, 10 yr repay, MA, NH

Golden1 California HELOC Sacramento Valley

Granite State CU, NH 90-100%

Great Lakes Credit Union, Chicago area IL

GTE Financial, Tampa, Sarasota area FL w 2 yrs tax history on property

Hanscom FCU, not TX or NY

HarborOne, RI

HSBC 70%, for premier clients only. FL, NY, MD, CA, VA, NJ,

Horizon Bank, Kalamazoo MI

Hughes Federal Credit Union

Huntington MI 75% LTV 5 yr IO product available. Someone reported 80%…need confirmation

Hurst Lending and Insurance Investment property HELOC in Texas. No seasoning. Bridge, portfolio, foreign national and other specialty loan products.

KeyBank, flexible lender, HELOCs on second
homes and rental properties. 90% LTV on primary. BLOC FL, CO, OH, UT, ID

Lafayette Ambassador Bank is now Fulton Bank

Langley FCU 70% LTV

Loan Depot supposed to have new HELOC product.

Lumen Mortgage (CA and OR), Agricultural lending

Merchants Bank MN See Pavel Ushakov

Mid-Hudson Valley FCU

Mountain America CU Utah, ID, MT, NV, AZ, NM. 85% LTV, promo rate of 1.99%. Can refi an existing mortgage to a shorter term “Mini Mortgage.” Salt Lake (also Zions)

Navy Federal 80% LTV

Nevada State Bank, in first position

Norway Savings Bank, Maine

Omaha Mortgage

One Nevada Credit Union

Oregonians CU - OR

PenFed - max 3 other properties, including primary. 80% LTV, prime + 1%, <4 properties. Pulls Equifax.

Peoples Bank of NC

Pioneer Bank, MN

PNC Bank on primary and secondary (2nd homes) must be in personal name and 50% DTI is required.

PSECU up to 80%

Quorum Federal Credit Union 80% LTV, owned by LLC is OK. Very flexible lender. NY. 5 year draw, IO for 5 yrs and PI for 10 year repayment period. FICO at least 680. Not in Texas. ***one investor said her line was reduced in Nov22 ***

Red Canoe Credit Union, WA OR

Regions

Renofi Purposed for ADU financing

River Bank & Trust, AL

Rivermark Credit Union, OR 90% LTV

Santa Ana Credit Union CA

Savannah Bank in NY, call it commercial LOC, up to 75% LTV.

SCCU Florida 80% LTV, 2.75% first year promo, not LLC

SECU NC 65% LTV rate 2.75% Oct 2021

***Signature Federal Credit Union 80% LTV to 100% LTV (100% on primary residence). All States. Fixed rate in Texas. 75% for NOO properties.

Silvergate Bank, CA

Sound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.” CT

SouthEast Bank TN

Spring EQ will do a HE Loan on an investment up to 90%

Symmetry

S&T Bank, PA

TBK Bank, CO, NM, KS

TCF Bank, FL, GA

TD Bank 75% line with FICO about 740. Up to 4 properties. PA, FL

Torrey Pines Bank, see also Western Alliance Bank Corp. Commercial real estate solutions for developers, home builders.

Troy Bank & Trust, AL

Trustco Bank, FL, NY, NJ, MA, VT. Paused offering HELOCs.

Trustmark Bank, TX. Call it a LOC rather than a HELOC

Umpqua Bank 80 LTV

Union Bank, specializes in noo HELOC. KCMO, NE., MUFG.

Univest Bank, $100k per line and 10 yr draw

Upstate Bank in Rochester NY, LOC up to 80%

US Bank 80%. “Business equity line of credit: Use Real Estate as Equity” up to $500k, interest only. gather your business and personal tax returns, financial statements, articles of incorporation and other legal documents.”

Vectra Bank - Colo

Veritex, TX HELOC

Webster Bank, CT, RI

WAFD Bank. Origination fee 1% or $700. Can be in an LLC, max 75% LTV. WA, OR, UT, NV, ID, NM, AZ, TX. All-in-One construction loan, too. They don’t sell, assign, or transfer the loan.

WellsFargo 60% LTV Up to 5 properties.

Workers Credit Union, MA 80-100%

WSFS...up to 70% on rental

Zions Bank, Utah. Call it HECL



High primary, not investment, HELOC:
Spring EQ 97.5% and fast, at 11 days

@Clayton Coombs, my best suggestion is small community bank and credit unions near the subject property.  Here's the updated list. 

All in One, Ridge Lending, first position HELOC. CMG Financial.

America First Credit Union 80% LTV on noo 65% LTV UT, MO

Arvest Bank AR, OK, AL, MO

Bancorp South, TX HELOCS & Lines of Credit on free and clear houses

BankNewport

Bank of Southern California, CA

Bank of West (BNP Paribas) 60% LTV CA, AZ, OR

BankRI

BB&T will loan on a rental portfolio

BBVA, now PNC

BECU for OR

Best Finance www.bestfinance.io No closing costs, fixed rates

Bellwether Community Credit Union, NH and MA 85% to 100%, draw 10 yrs

BMO Harris, 3 HELOCs to 70% LTV

Boeing Employee Credit Union

Cal Coast Credit Union, CA

Central Pacific Bank, HI

CFSBank will do on LLC, PA

Change Wholesale

Charter Oak FCU, CT

Chelsea Groton Bank, CT IPLOC (investment property LOC)

Citizens Bank -MN

Citizens, first position HELOC

CMG Financial 70% LTV. Aadvertises downpayment assistance through crowdfunding.

Coastal1, RI

Coastal Federal Bank of NC

Consolidated CCU, high LTV NOO LOC, OR, WA

Community Credit Union Will do HELOC on a rental in Florida.

Credit Union West, AZ 80% LTV

East West Bank, up to 60% LTV with "no docs” CA, WA, NV, GA, NY, TX and MA. Super easy.

Eastern CT Savings Bank, CT

Fairway Independent mortgage corporation- uses blockchain to close in as few as 5 days. Up to $400k, fixed 5, 10, 15 or 30 year terms with draws after the initial draw. Min FICO of 620 for primary and 680 for investment properties.

Fairwinds will do HELOC on rental property in 2023. 15 year draw, quick approval and fast closing, no application fee and no annual fee.

Family First Funding, Frank Avallone HELOC in New Jersey for investments properties.

Figure 80% on a rental, not in LLC. 640 FICO 95% LTV on primary. DTI must be under 50% and they prefer under 43% (not in FL)

Finance of America, 95% CLTV, second home only, 680 FICO, not TX

FirstBank CO and AZ 70% LTV

First Citizens

First Commonwealth

First Florida Credit Union FL

First Midwest, IL up to 90% Chicago area

First Republic - CA

First State Bank of LeCenter Minneapolis, MN

First Tech Federal. OR and other Western states. Up to 80% if FICO is over 780, no appraisal under $250k value.

Fremont Bank- up to 60% CA, Sacramento area

Frost Bank - TX. Great for HELOCs in DFW

Fulton Bank, PA, NJ to 75% LTV

GFA Federal Credit Union 10 yr draw, 10 yr repay, MA, NH

Golden1 California HELOC Sacramento Valley

Granite State CU, NH 90-100%

Great Lakes Credit Union, Chicago area IL

GTE Financial, Tampa, Sarasota area FL w 2 yrs tax history on property

Hanscom FCU, not TX or NY

HarborOne, RI

HSBC 70%, for premier clients only. FL, NY, MD, CA, VA, NJ,

Horizon Bank, Kalamazoo MI

Hughes Federal Credit Union

Huntington MI 75% LTV 5 yr IO product available. Someone reported 80%…need confirmation

Hurst Lending and Insurance Investment property HELOC in Texas. No seasoning. Bridge, portfolio, foreign national and other specialty loan products.

KeyBank, flexible lender, HELOCs on second
homes and rental properties. 90% LTV on primary. BLOC FL, CO, OH, UT, ID

Lafayette Ambassador Bank is now Fulton Bank

Langley FCU 70% LTV

Loan Depot supposed to have new HELOC product.

Lumen Mortgage (CA and OR), Agricultural lending

Merchants Bank MN See Pavel Ushakov

Mid-Hudson Valley FCU

Mountain America CU Utah, ID, MT, NV, AZ, NM. 85% LTV, promo rate of 1.99%. Can refi an existing mortgage to a shorter term “Mini Mortgage.” Salt Lake (also Zions)

Navy Federal 80% LTV

Nevada State Bank, in first position

Norway Savings Bank, Maine

Omaha Mortgage

One Nevada Credit Union

Oregonians CU - OR

PenFed - max 3 other properties, including primary. 80% LTV, prime + 1%, <4 properties. Pulls Equifax.

Peoples Bank of NC

Pioneer Bank, MN

PNC Bank on primary and secondary (2nd homes) must be in personal name and 50% DTI is required.

PSECU up to 80%

Quorum Federal Credit Union 80% LTV, owned by LLC is OK. Very flexible lender. NY. 5 year draw, IO for 5 yrs and PI for 10 year repayment period. FICO at least 680. Not in Texas. ***one investor said her line was reduced in Nov22 ***

Red Canoe Credit Union, WA OR

Regions

Renofi Purposed for ADU financing

River Bank & Trust, AL

Rivermark Credit Union, OR 90% LTV

Santa Ana Credit Union CA

Savannah Bank in NY, call it commercial LOC, up to 75% LTV.

SCCU Florida 80% LTV, 2.75% first year promo, not LLC

SECU NC 65% LTV rate 2.75% Oct 2021

***Signature Federal Credit Union 80% LTV to 100% LTV (100% on primary residence). All States. Fixed rate in Texas. 75% for NOO properties.

Silvergate Bank, CA

Sound CU "non-owner occupied HELOC, capped at $150K and interest rates are prime + 2%, 3% or 4%, based on credit, not to exceed 70% ltv.” CT

SouthEast Bank TN

Spring EQ will do a HE Loan on an investment up to 90%

Symmetry

S&T Bank, PA

TBK Bank, CO, NM, KS

TCF Bank, FL, GA

TD Bank 75% line with FICO about 740. Up to 4 properties. PA, FL

Torrey Pines Bank, see also Western Alliance Bank Corp. Commercial real estate solutions for developers, home builders.

Troy Bank & Trust, AL

Trustco Bank, FL, NY, NJ, MA, VT. Paused offering HELOCs.

Trustmark Bank, TX. Call it a LOC rather than a HELOC

Umpqua Bank 80 LTV

Union Bank, specializes in noo HELOC. KCMO, NE., MUFG.

Univest Bank, $100k per line and 10 yr draw

Upstate Bank in Rochester NY, LOC up to 80%

US Bank 80%. “Business equity line of credit: Use Real Estate as Equity” up to $500k, interest only. gather your business and personal tax returns, financial statements, articles of incorporation and other legal documents.”

Vectra Bank - Colo

Veritex, TX HELOC

Webster Bank, CT, RI

WAFD Bank. Origination fee 1% or $700. Can be in an LLC, max 75% LTV. WA, OR, UT, NV, ID, NM, AZ, TX. All-in-One construction loan, too. They don’t sell, assign, or transfer the loan.

WellsFargo 60% LTV Up to 5 properties.

Workers Credit Union, MA 80-100%

WSFS...up to 70% on rental

Zions Bank, Utah. Call it HECL



High primary, not investment, HELOC:
Spring EQ 97.5% and fast, at 11 days