90-100% LTV HELOC-North Jersey

Rental Property Investor · Boonton Township, NJ · Member since 2017 · 10 posts · 4 votes

I'm looking for lenders/credit unions that provide 90-100% LTV HELOCs on primary residence. Does any one have any recommendations? I'm based in Northern NJ (Morris County)

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Courtnay Guillaume
Lender · Mount Laurel, NJ · Member since 2026 · 6 posts · 1 vote
17h
Hi Ekrem — if it helps while you're comparing options, you can check your own estimated monthly payment on this anonymous calculator, no name, email, or phone needed and no one will reach out: https://muse.ai/s/debt-calculator-dxy6i7xhxyxxg0xt/dost3fuKlPYz1Xzi__yljI74vRZgq1qNGA7Iz44F5Cw — NMLS 2610820, licensed in PA, NJ & FL. Good luck with the search.
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Ryan BakerBusiness Member
Lender · Strongsville / Cleveland, OH · Member since 2026 · 176 posts · 48 votes
16h
Ekrem, 90 to 100% LTV HELOCs on a primary are hard to find right now. Some credit unions will go to 90% combined, but 100% is rare and usually comes with tighter terms.
If the goal is pulling cash for your next rental, it's worth comparing that against a cash-out refi or financing the rental itself with a DSCR loan, where the property's rent qualifies it instead of your personal income. Depending on the rate on your current first mortgage, one of those can work out better than stretching a HELOC.
Happy to walk through the numbers with you, give me a call (my number's in my signature below).
– Ryan
[email protected]330-548-4430
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Derek BrickleyBusiness Member
Lender · Ann Arbor, MI · Member since 2021 · 703 posts · 239 votes
14h
Hey Ekrem!
Yes 90% is possible, pretty common. If you don’t need that full amount though you can see quite a drop in rate going to 80%. Either way feel free to reach out can go through the difference for you if you’d like.
[email protected]734-645-7722
Gold Star Mortgage Financial Group548 Reviews
Website View Page
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Adam Summerer
Lender · Franklin, TN · Member since 2026 · 157 posts · 41 votes
14h
Ekrem, 90%+ combined LTV HELOCs on a primary are mostly a credit union thing now, a lot of the big banks top out around 80-85%. I'd call a few local CUs directly and ask two things: their max CLTV and what the rate does after any intro period, since the high CLTV ones often price higher once the teaser ends. 100% does exist but it's rare and usually wants strong credit and a low DTI.
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