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Updated September 2026

HELOC guide

Georgia is a yes. The line still has to fit the equity.

We do HELOCs in Georgia. The first mortgage stays. Combined loan-to-value usually screens at 80 to 85%, including that mortgage. Primary, second home, and rental all work. Bank statements can qualify up to $1 million. A DSCR HELOC uses rent, up to $1 million first lien or $500k second. The qualify form is not a hard pull and not an approval. County taxes and insurance still have to match the property. A homestead exemption on a house you now rent is the wrong tax number. We text. We do not call.

Qualify this fileRun the numbers

Sending a file is not an approval and not a credit pull. We text the same business day. We do not call. If we can structure it, we name the door. If we cannot, we say so.

The screen

Georgia is a yes. The line still has to fit the equity.
Georgia HELOCScreen
StateYes
Combined LTVUsually 80–85%
OccupancyPrimary, second, or rental
First mortgageStays

What we fund

  • Georgia primaries with a low first-mortgage rate
  • Georgia rentals that should not be refinanced
  • Bank-statement and DSCR paths

What we still need. Short list.

  • The first mortgage balance, rate, and whether it can stay.
  • A value we can support, and the cash you actually want.
  • The property state. HELOC is only GA, FL, TN, AL, NC, and SC.
  • Income path: full doc, bank statements, or rent on a DSCR HELOC.

Questions

Do you cover every Georgia county?

The state is in. The property still has to appraise and be lien-clean.

Is Florida the same?

Florida, Tennessee, Alabama, North Carolina, and South Carolina are the other HELOC states. Everywhere else is a no on this product.

Can I close in an LLC?

On the screens that allow it, including bank-statement. Ask. Consumer HELOCs often want a person.

Related

These are the guidelines we screen. They are not a promise that your file hits the maximum. Credit-event seasoning, occupancy, and property condition still have to be confirmed. Not a commitment to lend. We text. We do not call.