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A 700 credit score gives you solid HELOC options with most major lenders. You'll qualify for competitive rates and reasonable LTV limits. Here are the best HELOC lenders for your credit profile.
Why we recommend it: Best LTV at 95% with fast online approval. Competitive rates for 700+ scores.
Why we recommend it: Major bank with competitive rates and flexible draw periods for 700+ borrowers.
Why we recommend it: Preferred rewards discounts available. Competitive rates with 700+ credit score.
Yes. A 700 score qualifies you for most HELOC lenders with competitive rates. You're above the typical minimum (620–640) and will receive better rates than borrowers in the Fair Credit range.
With a 700 score, expect rates roughly 0.5–1.5% above what borrowers with 740+ scores receive. As of March 2026, that's approximately 7.00%–9.50% depending on the lender and your equity position.
Most lenders allow up to 80–85% combined LTV (your mortgage + HELOC). If your home is worth $400,000 and you owe $250,000, you have $70,000–$90,000 in available HELOC credit at 80–85% LTV.