The HELOC Blog

HELOC Limits

How Much HELOC Can I Get on a $400,000 Home?

May 20, 2026  ·  5 min read

Most $400K homeowners qualify for $100K–$140K in HELOC credit in 2026. See how lender LTV limits, your mortgage balance, and credit score determine your exact credit line.

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HELOC Rates

What Is the Current HELOC Interest Rate in 2026?

May 22, 2026  ·  5 min read

Prime rate is 7.50% in May 2026 — typical HELOC APRs range from 8% to 10.5%. See the full rate table by credit score, how your margin is set, and how to negotiate a lower rate.

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