High DTI HELOC
Debt-to-income on the high side? At least one HELOC we offer goes to 55% on smaller lines for a home you live in, and others reach 50% with the right score or reserves.
What a high DTI HELOC requires
Each item below is a requirement or rule of at least one HELOC we offer.
- At one program, debt-to-income up to 55% on a home you live in, on lines up to $100,000 with a score of 680 or higher.
- At that program, debts the line pays off come out of the calculation.
- At that program, the cash left after your expenses must cover the new line.
- At another, up to 50%, or 45% when your score is between 600 and 679.
- At another, above 45% only with 2 months of reserves plus a 720 score or residual income of at least 125% of the new housing payment.
- Debt consolidation is permitted to bring your debt-to-income down.
Up to 55% on smaller lines
Paid-off debts drop out
50% at more programs
A strong score can help
Residual income counts
Consolidation lowers DTI
Can You Get A HELOC With A High DTI?
Yes, within limits. The ceiling is 55% at one program for smaller lines on the home you live in, and 50% at others.
Debt-to-income, or DTI, compares your monthly debt payments with your gross monthly income. At least one HELOC we offer allows up to 55% on a home you live in, for lines up to $100,000 with a score of 680 or higher. On a home you do not live in, that program caps DTI at 45%.
That program also removes the debts the line pays off before it figures your DTI, and it checks that the cash left after your expenses covers the new line. Another program allows up to 50%, or 45% below a 680 score, and permits debt consolidation to bring DTI down. See HELOC debt consolidation.
A third program goes above 45% only with compensating factors: 2 months of reserves plus a 720 score, or residual income of at least 125% of your new housing payment. Above 55%, none of the HELOCs we offer will work, so the plan is to pay debts down first.
Why use Saxton for a high DTI HELOC
This page is for homeowners whose debt-to-income ratio is too high for a standard line and who want to know the real ceiling.
55% Is The Ceiling
At least one program allows up to 55% on smaller lines for a home you live in. Nothing we offer goes higher.
Debts Paid Off Drop Out
At least one program removes the debts your line pays off before it figures DTI.
50% At Other Programs
Other programs allow up to 50%, with 45% the limit below a 680 score at one.
Score Can Unlock More
At another program, a 720 score is one way past 45%.
Residual Income Counts
That program also accepts residual income of at least 125% of your new housing payment, with reserves.
Rentals Cap Lower
On a home you do not live in, at least one program caps DTI at 45%.
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about getting a HELOC with a high debt-to-income ratio.
55% is the highest with the HELOCs we offer, at one program, on lines up to $100,000 for a home you live in with a score of 680 or higher. Other programs top out at 50%.
Yes. At least one program removes the debts the line pays off before it figures DTI, and another permits debt consolidation to reduce DTI.
Yes, at more than one HELOC we offer. One program allows 50% with a score of 680 or higher. Another allows 50% with compensating factors.
At least one program needs 2 months of reserves plus either a 720 score or residual income of at least 125% of your new housing payment for DTI above 45%.
At least one program drops the limit to 45% when your score is between 600 and 679.
Yes. At least one program caps DTI at 45% on a home you do not live in.
None of the HELOCs we offer goes above 55%. Paying down debt, or adding qualifying income, is the way forward.
Find out what you qualify for
Tell us your monthly debts and income and we will show you which DTI ceiling you can work with.
Get Pre-Qualified- Consumer Financial Protection Bureau, home equity loan compared with a HELOC
- Consumer Financial Protection Bureau, mortgages
Loan amounts, rates, terms, and eligibility are subject to credit approval, asset and income verification, appraisal, and program guidelines. Draw requirements and variable rate terms apply. Program availability varies by state. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.