Hello everyone. My primary residence is in California, and I own it free and clear. It should appraise for about 2 million dollars. I'm looking to do a HELOC for $1 million dollars on my primary residence. I've called credit unions and banks. Their max for the HELOC is $500,000 and it will be based on my income. My FICO score is above 800. Does anyone know of any lender that would do a HELOC for up to $1 million dollars on a primary residence and based on the equity alone and NOT based on income? Thanks.