HELOC credit requirements vary by lender, but most California lenders require a minimum FICO score of 620–660 for a standard second-lien HELOC. Better credit scores unlock better rates, higher CLTV limits, and larger line amounts.

Typical Credit Tiers

• 740+: Best rates and maximum CLTV available from most lenders
• 700–739: Good rates with slightly lower CLTV in some programs
• 660–699: Qualifying range for most lenders; rates may be slightly higher
• 620–659: Minimum range; fewer lenders, more conservative CLTV, higher rates
• Below 620: Standard HELOCs generally not available; Non-QM HELOC may be an option

Which Score Is Used?

For a single borrower, the middle of the three bureau scores is used. For co-borrowers, the lower of the two middle scores determines eligibility and pricing.

How to Improve Before Applying

• Pay down revolving credit card balances to under 30% of each card’s limit
• Do not open new credit accounts in the 3 months before applying
• Dispute any inaccurate items on your credit report before application
• Ask your Lendia advisor about rapid rescore options if you are near a tier