$500K HELOC powered by Honest Casa
No appraisal below $500K* Check My Rate

Up to a $500K line — and no appraiser ever rings your doorbell.

Most banks cap home equity lines around $250K and stall you for weeks waiting on an appraiser. This HELOC does neither: on lines under $500,000 your home is valued digitally — no in-person appraisal, no appraisal fee, no scheduling — and lines run up to $750,000, 100% online, without touching your first mortgage.

No in-person appraisal on lines under $500K — digital valuation, $0 fee, zero waiting
Lines from $50K to $750,000 — sized to your actual equity
No tax returns, and your first mortgage and its rate stay untouched
No appraisal under $500KDigital valuation — $0, automatic
Up to $750,000Where banks stop at $250K
No tax returnsBank statement qualification
As fast as 3 days*From approval to funded
Your offer is 60 seconds away 0%

How large a line do you need?

Drag the slider — no in-person appraisal below $500K. Check your rate as of .

$500,000

Available as a flexible line of credit

$50K$750K
Secure ~60 seconds No SSN needed

Let's check the equity math

A $500K line needs meaningful equity — see where you land.

ESTIMATED AVAILABLE EQUITY$150,000

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What will the line fund?

This helps tailor your offer.

What's the property address?

Start typing and select your address — we verify it instantly so your offer is accurate.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your offer?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested line$100,000
Estimated equity$150,000
Property—
See My Offers Now →
5 min No docs required No SSN

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

Up to $750K
Line sizes most banks won't write — many cap home equity lines near $250K
2nd position
Your first mortgage — and its rate — stays completely untouched
$0 appraisal
No in-person appraisal on lines under $500K — value is confirmed digitally
0 tax returns
Bank statement income verification, built for high earners with complex returns

The equity math for a $500K line

Lines are sized around combined loan-to-value — up to roughly 85% of your home's value, minus what you still owe, capped at $750,000. Three examples:

Home valueFirst mortgage balance≈ 85% CLTV capacityPotential line*
$1,000,000$350,000$850,000 − $350,000$500,000
$1,250,000$450,000$1,062,500 − $450,000$612,000
$1,500,000$500,000$1,275,000 − $500,000$750,000 (max)

*Illustrative math only at an assumed 85% CLTV; actual maximum CLTV, line size, and pricing depend on credit profile, income verification, property type, occupancy, and state, and are determined in underwriting. Lines under $500,000 use digital valuation with no in-person appraisal; $500,000 and above may involve additional valuation steps. The interactive form above runs your own numbers.

A half-million-dollar line in 3 steps

Same streamlined process as a small line — the zeroes don't add paperwork.

01

Check your rate

Answer a few quick questions and see what you may qualify for — fast, secure, and 100% online. No SSN required at this stage.

~5 minutes
02

Value confirmed digitally

On lines under $500K, an automated valuation prices your home from recorded sales and market data — no appraiser visit, no $600 fee, no three-week wait. Then pick your line size, rate, and term.

No appraisal <$500K
03

Draw what you need

eSign with an online notary and get funded in as little as 3 days after approval.* Draw the full line or keep it on standby — interest accrues only on what you use.

As fast as 3 days*

Why high-equity homeowners choose a $500K HELOC

Big line, zero appraiser friction

The appraisal is the slowest, most invasive step of jumbo-sized home equity lending — scheduling a stranger's walkthrough and waiting weeks for a report. Under $500K, it's gone: digital valuation confirms your value automatically.

Underwriting that fits complex income

High earners often have the messiest tax returns — K-1s, distributions, write-offs. Bank statement verification looks at actual cash flow instead, with no tax returns or W-2s to assemble.

Cheaper than touching your first

A jumbo cash-out refi reprices your entire mortgage at today's rates. A second-position line prices only the new money — on a $500K draw against a low-rate $800K first, that difference is enormous.

Standby capital, on your terms

Approved capacity you don't pay for until you draw it. Close on a property in cash, fund a business round, or bridge a purchase — then repay and the line reloads during your draw period.

$500K HELOC vs. the jumbo alternatives

At this size, the usual alternatives are a jumbo cash-out refinance or a securities-backed line. Here's the honest matchup.

$500K HELOCRECOMMENDEDJumbo cash-out refiSecurities-backed line
In-person appraisal Not under $500K Usually required None
Keeps your current mortgage rate Yes — untouched No — full reset Yes
Maximum size Up to $750K Higher, but reprices everything Depends on portfolio
Collateral at risk Home equity Home (full balance) Investment portfolio
Margin-call risk None None Yes — market drops trigger calls
Typical time to funding As little as 3 days* 45–60 days 1–2 weeks
Tax returns required No 2 years + K-1s Usually no
Interest only on what you use Yes No Yes

Frequently asked questions

Can I really get a $500,000 HELOC?
Yes — lines here run from $15,000 up to $750,000. The practical requirement is equity: at roughly 85% combined loan-to-value, a $500K line generally needs a home worth about $1M with $350K or less owed on it (the table above shows the math). Credit profile, income verification, property type, and state all factor into the final number.
Why won't my bank write a line this big?
Most depository banks cap home equity lines around $250K–$400K as a policy matter — the cap isn't about your qualifications. Lenders specializing in home equity write larger lines because it's their core product, not a cross-sell.
Do I need an appraisal for a large HELOC?
Not below $500,000 — lines under $500K use a fully digital valuation built from recorded sales, county data, and market comparables: no appraiser visit, no appraisal fee, no weeks of waiting. At $500,000 and above (lines run to $750K), additional valuation steps may apply depending on the property and program — your specialist confirms before anything costs you money.
How does this compare to a jumbo cash-out refinance?
A jumbo cash-out reprices your entire first mortgage at today's rates and typically takes 45–60 days with full-documentation underwriting. A second-position HELOC leaves your first mortgage alone, prices only the new money, and funds in days. If you locked a low first-mortgage rate, the HELOC usually wins decisively; if your first is already at today's rates, compare both.
What about a securities-backed line of credit instead?
SBLOCs offer great rates but carry margin-call risk — a market drop can force you to post cash or liquidate at the worst moment. Home equity has no margin calls. Many high-net-worth borrowers use home equity precisely to avoid touching portfolios (and triggering capital gains) at bad times.
My tax returns are complicated — K-1s, distributions, write-offs. Is that a problem?
No — that's the point of bank statement verification. Income is evaluated from actual deposit cash flow through a secure, read-only connection, not from two years of returns. No tax returns, W-2s, or K-1s are collected.
Do I pay interest on the whole line?
No — interest accrues only on your drawn balance. Many borrowers open a large line as standby capacity: it costs nothing to hold undrawn, and it's there the day an opportunity or emergency shows up.
Will checking my rate hurt my credit score?
No. Prequalification uses a soft credit inquiry, which has no impact on your credit score, and no SSN is required at that stage. A hard inquiry only occurs if you proceed with a full application.
How fast can I get the money?
Checking your rate takes about five minutes, and funding can occur in as little as 3 days after approval and closing.* Larger loans can involve additional valuation steps, which may extend the timeline.
Who is the lender?
500kHeloc.com is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

Your equity outgrew your bank's cap.

Check your rate on a line up to $750,000 — five minutes, soft pull, no SSN.

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