Hi All,

I"m looking for a 95-100% LTV HELOC company on a primary residence. I already have a LOC with Tower Federal Credit Union, so I cannot use them. But I'm looking for a company that will do a HELOC on a new primary residence that I'm purchasing . Will have around $35,000 in forced equity from the appraised value + the down payment (15%)

Any help is appreciated. Thanks. 

DMV, DC, Northern VA, Maryland, Bethesda, Creative Financing, Financing

Hey Cassidy, 

I had luck with Arlington Community Federal Credit Union late last year, so it could be worth reaching out to them. They were offering a 100% LTV HELOC on a primary when I connected with them initially.

Good luck!

Appreciate you @Jack Daly

@Cassidy Burns I opened a 95% LTV HELOC on my primary residence a few years back with Mid-Atlantic Federal Credit Union (MAFCU) based in Gaithersburg. Overall had a good experience with them.

Thank you @Tom Harkins , I'm going to give them a call as well

@Cassidy Burns

There's a Lender called "Lower" they offer 95% LTV on HELOCs. I just closed with them. Here is my loan advisor's contact info tell him I sent you he'll take good care of you.

Connor Pazdzior

Thank you @Allen McGlashing

My realtor also recommended the Department of Commerce Federal Credit Union for 95%!

hi @Cassidy Burns ! how’s your search going? i‘m shopping for 95-100 ltv heloc as well. also, you mentioned you have a loc with tower federal. i’m curious - that’s not the same as heloc, right? is that just plain line of credit not tied to home equity? i have two properties and one bank noted i can only do a heloc on my primary. the other property would be considered second home and i can’t do a heloc on a second/vacation home..

Hi @Michelle Oblena I ended up opening one up with Tower Federal and also was in contact with Arlington Community Federal Credit Union who had a 99% LTV Product for primary residesences and 80% for investment properties. I'd give both of them a call if you are interested in a quote.

Sorry, the LOC is a HELOC on an existing primary residence that I purchased and is tied to the homes equity., sorry for the confusion.

Originally posted by @Cassidy Burns :

Hi @Michelle Oblena I ended up opening one up with Tower Federal and also was in contact with Arlington Community Federal Credit Union who had a 99% LTV Product for primary residesences and 80% for investment properties. I'd give both of them a call if you are interested in a quote.

Sorry, the LOC is a HELOC on an existing primary residence that I purchased and is tied to the homes equity., sorry for the confusion.

whoa 99% that’s amazing. i’ll check them out - thanks! 

Good luck @Michelle Oblena