Find your best HELOC or HELOAN fit

Answer 7 quick questions — see the home-equity products that fit your situation.

Built and reviewed by Todd Hanley, RICP®·NMLS #1013665·Last reviewed October 2026·How it’s calculated

HELOC, HELOAN, piggyback, bank-statement, and reverse 2nd-lien options all in one place. This is not an approval or a commitment to lend — final eligibility depends on full documentation and underwriting.

How this tool decides

There is no scoring and no hidden math. Here are the exact rules.

Starting point

All nine products start on the list. Each answer removes the products that do not fit it.

Order

What is left is shown in Todd’s standing order of preference for rate, speed and terms. The first one gets the “recommended starting point” badge.

Age

Under 62 removes the reverse 2nd lien.

Goal

Piggyback leaves only the piggyback + jumbo-capable HELOC. No monthly payment leaves only the reverse 2nd lien.

Occupancy

Second home removes the fast-close digital HELOC and the reverse 2nd lien. Investment removes the reverse 2nd lien.

Income

Bank statements leave only the bank-statement HELOC (and the reverse 2nd lien). Retirement income removes the bank-statement HELOC.

Amount

Under $100K removes the bank-statement HELOC, which has a $100K minimum; self-employed borrowers who need less have to ask for a smaller amount specifically. $500K–$1M leaves the piggyback + jumbo-capable HELOC, the bank-statement HELOC and the reverse 2nd lien. Over $1M leaves only the reverse 2nd lien.

State

Texas removes the fast-close digital HELOC and the traditional 2nd-lien HELOC. Outside FL, TX and NJ, Todd cannot originate the loan.

Credit score

Under 640 leaves only the fast-close digital HELOC (620+) and the reverse 2nd lien. 640–679 removes the piggyback + jumbo-capable HELOC.

Data and assumptions

The product guidelines are entered by Todd from each lender’s current program guides.

No dollar amounts are calculated. Your available equity, rate and payment depend on an appraisal, your credit and the lender.

Lender compensation varies but does not affect the order.

Built and reviewed by Todd Hanley, RICP®, Senior Loan Officer, NMLS #1013665 (verify). United Direct Lending NMLS #1749719. Last reviewed October 2026.

How this tool decides

Data and assumptions

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