Digital HELOC

No-Appraisal HELOC: Apply Online in Minutes

Skip the appraisal on lines up to $400,000. Apply online, verify income by linking your accounts, and get an automated decision on your primary home, second home or rental.

Apply online now Call (619) 404-6637

Up to $400Kwith no appraisal

620+credit on primary

AVMvaluation

100% onlineapplication

The short answer

Can I get a HELOC without an appraisal?

Yes. Our digital HELOC values your home with an automated valuation model (AVM) on lines of $400,000 or less, so most borrowers never schedule an appraisal. If the AVM can’t value the property with enough confidence, an exterior-only drive-by is ordered instead.

Lines over $400,000 need a full interior appraisal. Underwriting is automated: the decision comes from your credit, verified income and the property value, not a manual review.

Limits

How much can I borrow on a no-appraisal HELOC?

Up to $400,000 on a primary residence with a 740+ credit score, and up to $250,000 on a second home or rental with a 720+ score. Your line size and maximum CLTV step down with lower scores.

Occupancy	Credit score	Max line	Max CLTV	Valuation
Primary residence	740+	$400,000	85%	AVM
Primary residence	700–739	$300,000	85%	AVM
Primary residence	680–699	$200,000	80%	AVM
Primary residence	620–679	$150,000	75%	AVM
Second home or rental	720+	$250,000	75%	AVM
Second home or rental	680–719	$100,000	70%	AVM

From the guidelines of a wholesale lender we have access to and broker loans to (July 2026). Larger primary-residence lines with a full appraisal are available at 760+ in most states. Second homes and rentals must be owned 12 months. Subject to change and underwriting.

Process

How does the digital application work?

You apply online, verify your identity, and verify income by linking your bank accounts or uploading documents. The property is valued by AVM, and you sign closing documents electronically.

Income: linked bank data, paystubs, W-2s, 1040s, 1099s or tax transcripts
Debt-to-income up to 55% on primary homes (50% on second homes and rentals)
First- or second-lien position
Title in your name or a revocable family trust (no LLCs)
The full line is drawn at opening; pay it down and draw again

Start the digital application

When to use something else

When is the digital HELOC not the right fit?

If you need to qualify with bank statements, a P&L, 1099s or rental income (DSCR), or the property is in an LLC, use our request form instead. Those files go to lenders built for them.

See bank statement HELOC, P&L HELOC, 1099 HELOC and DSCR HELOC, or compare every route on HELOC on investment property.

Use the request form

FAQ

No-Appraisal HELOC FAQs

Can I get a HELOC without an appraisal?

Yes. Our digital HELOC values the property with an automated valuation model (AVM) on lines of $400,000 or less. If no AVM is confident enough, an exterior-only drive-by evaluation is ordered instead; lines over $400,000 need a full interior appraisal.

How much can I borrow on a no-appraisal HELOC?

On a primary residence, up to $400,000 with a 740+ score (85% CLTV). On second homes and rentals, up to $250,000 with a 720+ score (75% CLTV) or $100,000 at 680–719 (70% CLTV).

What credit score do I need?

A score above 620 on a primary residence and 680 on second homes and investment properties, with larger lines at higher scores.

How is income verified?

By linking your bank accounts, or with paystubs, W-2s, 1040s, 1099s or tax transcripts. Self-employed borrowers who need bank statement or P&L qualifying should use our request form instead.

Can I use a no-appraisal HELOC on a rental?

Yes, if you have owned it for at least 12 months and it is titled in your name or a revocable trust. LLC-owned properties are not eligible on this program.

Do I have to draw the whole line?

This program draws the full line at account opening. As you pay it down, you can draw again.

Keep exploring

Other home equity options

Programs, guidelines and terms described here come from the wholesale lenders we broker loans to and change often. This is not a commitment to lend; all loans are subject to credit approval, underwriting, property eligibility and state availability. Rates and payment terms are not quoted on this page. Trevor Gravink, NMLS #1707407 | Broker Buddy LLC, powered by Adaptive Mortgage Solutions, NMLS #2022974. Equal Housing Opportunity.