{"id":22015,"date":"2025-10-29T02:21:02","date_gmt":"2025-10-29T02:21:02","guid":{"rendered":"https:\/\/budgetadirect.com\/?p=22015"},"modified":"2025-10-29T02:21:05","modified_gmt":"2025-10-29T02:21:05","slug":"heloc-and-home-equity-loan-requirements-in-2025","status":"publish","type":"post","link":"https:\/\/budgetadirect.com\/?p=22015","title":{"rendered":"HELOC And Home Equity Loan Requirements In 2025"},"content":{"rendered":"<div>\n<div id=\"block_40b927803412ef132bf60468e48b89be\" class=\"key-takeaways sm:border-l-4 border-(--accent) sm:pl-8 my-8 relative\" style=\"--accent: var(--color-blue-medium)\">\n    <!-- htmlmin:ignore --><\/p>\n<h2 class=\"heading-4 mt-0 mb-4 text-crop-none max-sm:flex max-sm:items-center max-sm:gap-4\" id=\"key-takeaways\" data-position=\"0\" data-beam-element-viewed=\"\" data-id=\"br-h2-0-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Key takeaways\" data-outcome=\"\">\n    <span class=\"shrink-0\">Key takeaways<\/span><br \/>\n        <span class=\"max-sm:h-0.5 max-sm:w-full max-sm:w-full max-sm:bg-(--accent) max-sm:rounded-full max-sm:block\"\/><br \/>\n    <\/h2>\n<p>    <!-- htmlmin:ignore --><\/p>\n<ul class=\"flex flex-col text-gray-700 mb-0 gap-2 list-disc\">\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            To qualify for a home equity loan or line of credit, you\u2019ll typically need to maintain at least 20 percent equity in your home (including both your existing mortgage and the new equity loan or line of credit). Some lenders allow 15 percent.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            You\u2019ll also need a solid credit score and an acceptable debt-to-income (DTI) ratio.\n                                                <\/li>\n<li class=\"pl-4 relative marker:text-(--accent)\">\n                                                            Lenders also will want to see steady and adequate income, and for you to be in good standing on your mortgage payments.\n                                                <\/li>\n<\/ul>\n<\/div>\n<p>One of the biggest benefits of homeownership is the ability to build equity. When you accumulate enough, typically over time by paying down your mortgage, you can borrow against it through a home equity loan or home equity line of credit (HELOC). Here are the requirements to be eligible for either of these financing options in 2025.<\/p>\n<h2 id=\"requirements\" data-position=\"1\" data-beam-element-viewed=\"\" data-id=\"br-h2-1-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Requirements for a home equity loan or HELOC\" data-outcome=\"\">Requirements for a home equity loan or HELOC<\/h2>\n<p>Regardless of which type of loan you choose, home equity loan requirements and HELOC requirements tend to require that borrowers have:<\/p>\n<ul class=\"wp-block-list\">\n<li>A minimum percentage of equity in the home<\/li>\n<li>Good credit<\/li>\n<li>A low debt-to-income (DTI) ratio<\/li>\n<li>Sufficient income<\/li>\n<li>Reliable payment history<\/li>\n<\/ul>\n<h3>At least 20 percent equity in your home<\/h3>\n<p>Equity is the difference between how much you owe on your mortgage and your home\u2019s value. This determines your loan-to-value ratio, or LTV.<\/p>\n<p>To find your LTV, divide your current mortgage balance by your home\u2019s appraised value. For example, if your loan balance is $150,000 and an appraiser values your home at $450,000, you would divide the balance by the appraisal for an LTV ratio of about 33 percent. This means you have 67 percent equity in your home.<\/p>\n<p>When you apply this ratio to both your first mortgage and the HELOC or home equity loan, you get the combined loan-to-value (CLTV) ratio. This is the figure lenders use to determine how much equity you could be eligible to tap. Most lenders require you to maintain a minimum of 20 percent equity \u2014 to leave that amount untouched, that is \u2014 although some allow 15 percent.<\/p>\n<p>Using the example above, say you\u2019d like to take out a home equity loan for $30,000. Your combined balances would equal $180,000 ($150,000 first mortgage + $30,000 home equity loan). This translates to a 40 percent CLTV ratio ($180,000 \/ $450,000), which is under the lender\u2019s 80 percent maximum.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Why it&#8217;s important\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Maintaining at least 20 percent equity in your home buffers you against downturns in the housing market. If your home were to decline in value and you didn\u2019t have a decent amount of equity, you could end up\u00a0owing more on your home\u00a0than what it\u2019s worth, making it difficult to sell. The 20 percent equity standard is also important for lenders: It lowers their risk.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<h3>Credit score in the mid-600s<\/h3>\n<p>Many lenders allow you to tap your equity with a credit score in the 600s (680 once was common, but the norm is now closer to 620, especially for HELOCs). You won\u2019t get the best interest rate with a lower score, however.<\/p>\n<p>Some lenders also extend loans to those with scores below 620, but these lenders might require you to have more equity or carry less debt relative to your income. Bad-credit home equity loans and HELOCs often come with higher interest rates, limited loan amounts and shorter repayment periods.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Why it&#8217;s important\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>A credit score of at least 740 helps you get the best interest rates, which could save you a substantial amount of money over the life of a home equity loan. A better score can also improve your odds of loan approval.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>Before applying for a home equity product, take steps to maintain or improve your credit score. This involves making timely payments on loans or credit cards, paying off as much debt as possible and avoiding new credit applications.<\/p>\n<h3>A low debt-to-income ratio<\/h3>\n<p>The debt-to-income ratio (DTI) is a measure of your gross monthly income relative to your monthly debt payments, including your mortgage and home equity loan payments.<\/p>\n<p>Qualifying DTI ratios vary from lender to lender but, in general, the lower your DTI, the better. Most home equity lenders look for a DTI ratio of no more than 36 percent, but some may allow exceptions up to 45 or even 50 percent.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Why it&#8217;s important\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>Lowering your DTI ratio can help improve your odds of qualifying for a home equity loan or HELOC. Paying down existing debt could also boost your credit score, further strengthening your application.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>To calculate your DTI ratio, divide your total monthly debt payments by your gross monthly income, then multiply that result by 100 to get a percentage. If that percentage exceeds your lender\u2019s specific threshold, you have a few options: pay off as much debt as you can, increase your income or lower the loan amount.<\/p>\n<h3>Adequate income<\/h3>\n<p>There isn\u2019t a set income requirement for a HELOC or home equity loan, but you do need to earn enough to meet the DTI ratio requirement for the amount of money you\u2019re hoping to tap. You\u2019ll also need to prove that you have income consistently coming in.<\/p>\n<section class=\"editorial-insight-box --insight-box +mg-vertical-md\" data-template=\"insight_box\">\n<div class=\"card-body border-l-4 border-blue-800\">\n<div class=\"content-wrapper\">\n<p>\n                    Why it&#8217;s important\n                <\/p>\n<div class=\"content wysiwyg wysiwyg--flush\">\n<p>A steady income indicates to lenders that you\u2019ll be able to make payments on your loan. Plus, the higher your income, the easier it\u2019ll be to lower your DTI ratio.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<p>Be prepared to provide income verification information when you apply for your loan, such as W-2s and paystubs.<\/p>\n<h2 id=\"comparing\" data-position=\"2\" data-beam-element-viewed=\"\" data-id=\"br-h2-2-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"HELOCs vs. home equity loans\" data-outcome=\"\">HELOCs vs. home equity loans<\/h2>\n<p>Both HELOCs and home equity loans allow you to borrow money based on the equity you have in your home. Here is a quick comparison between the two:<\/p>\n<div class=\"w-full overflow-x-auto\">\n<table class=\"wp-block-table Table Table--text Table--stripedOdd --spacing-xs is-style-stripes has-fixed-layout wrapped\">\n<thead>\n<tr>\n<th\/>\n<th>HELOC<\/th>\n<th>Home equity loan<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Overview<\/strong><\/td>\n<td>A revolving line of credit with a typical draw period of 5 to 10 years when you can pull out funds as needed<\/td>\n<td>A loan for a fixed amount, delivered in a lump sum<\/td>\n<\/tr>\n<tr>\n<td><strong>Interest rates<\/strong><\/td>\n<td>Variable<\/td>\n<td>Fixed<\/td>\n<\/tr>\n<tr>\n<td><strong>Terms<\/strong><\/td>\n<td>Up to 30 years (10-year draw\/20-year repayment period)<\/td>\n<td>5 to 30 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Repayment<\/strong><\/td>\n<td>Up to 20 years<\/td>\n<td>Up to 30 years<\/td>\n<\/tr>\n<tr>\n<td><strong>Monthly payments<\/strong><\/td>\n<td>Interest-only during draw period, then principal and interest during repayment period<\/td>\n<td>Principal and interest payments during repayment period<\/td>\n<\/tr>\n<tr>\n<td><strong>Benefits<\/strong><\/td>\n<td>Borrow only what you need<br \/>Lower rates compared to credit cards<br \/>Potential to deduct interest<\/td>\n<td>\n<span style=\"font-family: inherit; font-size: inherit; font-weight: inherit; letter-spacing: -0.015625rem;\">Fixed monthly payments<\/span><br \/>Lower rates, longer terms than personal loans<br \/>Potential to deduct interest<\/td>\n<\/tr>\n<tr>\n<td><strong>Drawbacks<\/strong><\/td>\n<td>Home is collateral<br \/>Variable monthly payments<br \/>Ongoing fees<\/td>\n<td>Home is collateral<br \/>Closing costs<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 id=\"checklist\" data-position=\"3\" data-beam-element-viewed=\"\" data-id=\"br-h2-3-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"Checklist for home equity loan borrowing\" data-outcome=\"\">Checklist for home equity loan borrowing<\/h2>\n<p><strong>1. Review your credit score: <\/strong>You want it to be high enough to qualify for a home equity loan, and preferably high enough to get the most competitive rates. If it\u2019s not, you can take steps to improve the numbers: disputing any inaccuracies on your credit report, paying down outstanding balances and asking for higher credit limits on your cards. Bear in mind it could take several months for a rise in your score to register.<\/p>\n<p><strong>2. Calculate your debt-to-income ratio: <\/strong>Your ratio is another very important factor, playing a significant role in whether an application gets approved. Every lender has its own specific debt-to-income (DTI) requirements \u2014 how much money goes out vs. how much comes in each month \u2014 with 36 percent being a general standard for conventional loans. To calculate your DTI, add up all of your monthly debt payments, then divide by your monthly income.<\/p>\n<p><strong>3. Calculate how much equity you have: <\/strong>To determine your home equity, you\u2019ll need to know the fair market value of your home, minus your outstanding mortgage. For instance, if the fair market value of your home is $450,000 and your mortgage balance is $200,000, you have $250,000 in equity. Remember that this figure doesn\u2019t translate dollar-for-dollar into a loan: The exact amount you\u2019ll be able to borrow will depend on the size of your mortgage, how much equity your lender requires you leave untouched and your overall creditworthiness.<\/p>\n<p><strong>4. Explore options from multiple lenders: <\/strong>Take the time to shop around and compare offers. This process can also help you assess the various applicant requirements, compare different terms and better prepare your finances.<\/p>\n<p><strong>5. Submit an application: <\/strong>When you\u2019ve settled on a lender, fill out an application. Many lenders will let you do so digitially nowadays. The process is similar to applying for a mortgage, only a tad simpler and faster \u2014 many lenders offer automated appraisals now and don\u2019t require title searches. Still, it can take up to a month to get your money.<\/p>\n<h2 id=\"faq\" data-position=\"4\" data-beam-element-viewed=\"\" data-id=\"br-h2-4-onpage-placement\" data-type=\"h2\" data-location=\"Editorial\" data-name=\"h2_all\" data-text=\"FAQ about HELOC and home equity loan requirements\" data-outcome=\"\">FAQ about HELOC and home equity loan requirements<\/h2>\n<ul class=\"Accordion w-full align\">\n<li x-id=\"['panel-accordion-item-0', 'heading-accordion-item-0']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-0')\" :aria-controls=\"$id('panel-accordion-item-0')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    If I don\u2019t meet the requirements for a HELOC or home equity loan, what are some alternatives?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-0')\" :aria-labelledby=\"$id('heading-accordion-item-0')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n<p>Here are some alternatives. Bear in mind their terms and tax advantages are different from those of home equity products.<\/p>\n<ul class=\"text-md\">\n<li class=\"mb-0\">\n<strong>Personal loans:<\/strong> A personal loan is a lump sum of money with a fixed interest rate and fixed monthly payment. The repayment term can last from one to seven years. Most personal loans are unsecured, meaning you don\u2019t need to put up collateral to get one. Home improvement loans offer bigger amounts, directly competing with home equity loans.<\/li>\n<li class=\"mb-0\">\n<strong>Zero-interest credit cards:<\/strong> When you use a zero percent intro APR credit card, you\u2019ll avoid paying interest on purchases during an initial promotional period, often between six and 21 months. Just be sure to pay off the debt in full during the promotional period, or else you\u2019ll be charged interest.<\/li>\n<li class=\"mb-0\">\n<strong>Family loans:<\/strong> Family loans are simply loans from relatives. This can be a good option if a family member is willing to lend you money at no or low cost.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-1', 'heading-accordion-item-1']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-1')\" :aria-controls=\"$id('panel-accordion-item-1')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Can I borrow 100 percent of my home equity?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-1')\" :aria-labelledby=\"$id('heading-accordion-item-1')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<p>\n            No. You can typically borrow a maximum of 80 percent of your home\u2019s equity. Some lenders will let you go as high as 85 or 90 percent.\n        <\/p>\n<\/div>\n<\/li>\n<li x-id=\"['panel-accordion-item-2', 'heading-accordion-item-2']\" x-data=\"{ expanded: 0 }\" class=\"Accordion-item\">\n<button class=\"Accordion-titleContainer py-4 px-3 sm:px-6 group sm:py-6\" type=\"button\" :id=\"$id('heading-accordion-item-2')\" :aria-controls=\"$id('panel-accordion-item-2')\" :aria-expanded=\"expanded ? true : false\" x-on:click=\"expanded = !expanded\" :data-outcome=\"expanded ? 'open_accordion' : 'close_accordion'\"><!-- htmlmin:ignore --><\/p>\n<h3 class=\"Accordion-title my-0 mr-2 md:flex-1\">\n    Is it easier to qualify for a HELOC or a home equity loan?<br \/>\n    <\/h3>\n<p><!-- htmlmin:ignore --><span class=\"Accordion-icon Icon mb-0 block leading-none Icon--sm icon-base-blue-600\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Caret Down Icon<\/title>\n<path d=\"M12 17.152c-.33 0-.675-.131-.94-.378L3.384 9.09a1.32 1.32 0 0 1 0-1.86c.51-.51 1.351-.51 1.862 0L12 13.977l6.755-6.747c.51-.51 1.351-.51 1.862 0 .51.51.51 1.35 0 1.86l-7.694 7.684a1.295 1.295 0 0 1-.94.378H12Z\" class=\"icon-base\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"Accordion-contentWrapper\" :id=\"$id('panel-accordion-item-2')\" :aria-labelledby=\"$id('heading-accordion-item-2')\" x-show=\"expanded\" x-collapse=\"\" role=\"region\" style=\"height: 0; overflow: hidden; display: none;\">\n<div class=\"Accordion-content text-gray-700 px-3 pb-4 sm:px-6 sm:pb-6\">\n            The qualifications for HELOCs and home equity loans are about the same. The application process is somewhat easier with a HELOC, though, as it usually skips title searches and full in-person home appraisals. It also depends on the lender: For example, BMO Bank requires a borrower credit score of at least 700 for home equity loans, but only 650+ for HELOCs.\n        <\/div>\n<\/div>\n<\/li>\n<\/ul>\n<p><i>Additional reporting by Mia Taylor<\/i><\/p>\n<div class=\"HelpfulCTA mx-auto flex flex-col items-center gap-6 my-6 py-12 text-base border-y border-gray-200\" data-helpful-cta=\"\" data-beam-element-viewed=\"\" id=\"did-you-find-this-helpful\" data-type=\"cta\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Did you find this page helpful?\">\n<div class=\"HelpfulCTA-initial w-full flex flex-col items-center gap-4\" data-cta-initial=\"\">\n<div class=\"HelpfulCTA-question text-lg font-bold text-center text-gray-900\">\n            Did you find this page helpful?<\/p>\n<div id=\"utg6kAKoZc\" class=\"hidden\">\n<div class=\"wysiwyg wysiwyg--sm wysiwyg--flush max-w-xs\">\n<p class=\"mb-6 text-base\">\n                            <strong class=\"block font-bold text-gray-900\">Why we ask for feedback<\/strong><br \/>\n                            Your feedback helps us improve our content and services. It takes less than a minute to<br \/>\n                            complete.\n                        <\/p>\n<p>Your responses are anonymous and will only be used for improving our website.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>Help us improve our content<\/p>\n<div class=\"HelpfulCTA-actions flex gap-4 mt-2\">\n            <button type=\"button\" class=\"HelpfulCTA-btn HelpfulCTA-btn--yes border border-2 border-blue-600 text-blue-600 rounded px-6 py-2 transition font-semibold flex items-center gap-2 hover:bg-blue-50\" data-cta-yes=\"\" data-beam-element-clicked=\"\" id=\"did-you-find-this-helpful-yes\" data-type=\"button\" data-location=\"article-bottom\" data-position=\"banner\" data-text=\"Yes\" data-outcome=\"response submitted\"><br \/>\n                <span class=\"Icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"Icon-glyph\" viewbox=\"0 0 24 24\" fill=\"currentColor\" focusable=\"false\"><title>Thumbs Up Icon<\/title><path d=\"M13.165 2.175c.322 0 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rel=\"nofollow\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways To qualify for a home equity loan or line of credit, you\u2019ll typically need to maintain at least 20 percent equity in your home (including both your existing mortgage and the new equity loan or line of credit). Some lenders allow 15 percent. You\u2019ll also need a solid credit score and an acceptable<\/p>\n","protected":false},"author":1,"featured_media":22016,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[58],"tags":[],"class_list":{"0":"post-22015","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homes"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HELOC And Home Equity Loan Requirements In 2025 | BudgetADirect<\/title>\n<meta name=\"description\" content=\"Key takeaways To qualify for a home equity loan or line of credit, you\u2019ll typically need to maintain at least 20 percent equity in your home (including\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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