Availability
HELOCs through this program are available in 48 states. They are not available in New York or Connecticut.
All states
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut Not available
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York Not available
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
State HELOC guides
Texas HELOC
Local markets, state rules, and what to expect.
California HELOC
Local markets, state rules, and what to expect.
Florida HELOC
Local markets, state rules, and what to expect.
Colorado HELOC
Local markets, state rules, and what to expect.
Georgia HELOC
Local markets, state rules, and what to expect.
Washington HELOC
Local markets, state rules, and what to expect.
Illinois HELOC
Local markets, state rules, and what to expect.
North Carolina HELOC
Local markets, state rules, and what to expect.
Virginia HELOC
Local markets, state rules, and what to expect.
Nevada HELOC
Local markets, state rules, and what to expect.
State rules can change your numbers
Most HELOC rules are set by the program, but some states add their own requirements. Texas is the biggest example: homestead home equity loans are capped at 80% combined loan-to-value, require a 12-day waiting period, and have limits on how a line can be accessed. Community property states such as California and Washington may require a non-borrowing spouse to sign certain documents. Closing procedures and recording taxes also vary.