The Wealth Builder HELOC uses a tiered LTV matrix that varies based on FICO score, occupancy type, loan purpose, and loan amount. Understanding this matrix helps you determine how much line you may qualify for based on your property value and credit profile.

General LTV Guidelines

• Maximum LTV up to 90% for primary residence purchase transactions at qualifying FICO scores
• LTV limits are generally lower for cash-out refinances than for purchase or rate/term refinance
• Investment property transactions carry lower maximum LTV than primary or second home
• Higher FICO scores unlock higher LTV allowances within each occupancy tier

How FICO Affects LTV

The program matrix is structured so that borrowers with stronger credit scores qualify for higher LTV ratios. A borrower at 760+ FICO may qualify for the maximum LTV in their tier, while a borrower at 620 will face a more conservative LTV limit. Lendia can pull the current matrix and show you exactly where you fall.

Loan Amount Considerations

For loan amounts above $2,000,000, additional LTV restrictions may apply, and a second appraisal may be required. The program supports loans up to $3,500,000, but the highest LTV tiers are typically reserved for loans in the standard conforming to super-jumbo range.

How LTV Is Calculated

LTV = Loan Amount ÷ Appraised Property Value. For a $500,000 line on a property appraised at $700,000, LTV = 71.4%. The appraisal used is a full interior appraisal ordered through the lender’s approved AMC.