HELOC by state: where you can get one with us
Lender Express is licensed to lend in 9 states: Arizona, California, Colorado, Florida, Idaho, Montana, Ohio, Oregon, and Texas. The digital HELOC program is currently available in 8 of those (all except Texas, where a different program covers primary residences).
No impact on your credit score to find out.
Lender Express Mortgage LLC · NMLS #1963444 · Equal Housing Opportunity
Where we lend
Lender Express Mortgage LLC is licensed to originate mortgage products in 9 states. The team’s loan officer footprint sets the licensing pattern.
Licensed states: Arizona, California, Colorado, Florida, Idaho, Montana, Ohio, Oregon, and Texas.
Our HELOC products are available in all 9 of those states.
For the underwriting bar on top of state availability, see HELOC qualification.
Why state availability varies
Mortgage lending is licensed at the state level. Every lender has to be approved separately in every state where it operates. Every loan officer has to be licensed separately in every state where they originate.
On top of licensing, each state writes its own consumer lending rules. Some states layer on additional disclosures, fee restrictions, or recording requirements. Some states (Texas, for example) write home equity rules into the state constitution, which adds compliance complexity for any out-of-state lender.
The 9 states where Lender Express operates reflect three factors: where our loan officers are licensed, where our lender partners are approved to operate, and where the state-specific rules fit the digital HELOC product structure. For definitions of HELOC, CLTV, AVM, and other technical terms used on this page, see the HELOC glossary.
State-by-state availability
Scan the table to find your state.
If your state is not on the list, we cannot originate your HELOC. See below for more on states we do not currently serve.
Spotlights on our highest-volume states
Five states where we run the most volume.
Your state is on the list. See your rate.
A soft credit check returns your real HELOC rate in minutes.
No impact on your credit score to find out.
States we do not lend in
If your state is not in our 9-state footprint, we cannot originate your HELOC. There are 41 states where Lender Express is not currently licensed.
A small additional list of states is outside the program even where Lender Express is licensed. State coverage may expand over time.
If your state is outside our footprint and you still want a HELOC, your options include searching for a HELOC lender licensed in your state, working with a local mortgage broker, or checking back here as our state coverage expands.
How state law affects HELOC terms
The HELOC product is the same in every state on the platform, but state law shapes the details at the edges.
- Rescission rights. Federal law gives you 3 business days to cancel a HELOC on your primary residence. Some states layer on additional rescission rules.
- Recording fees. Every state and county charges its own recording fees. See HELOC rates, fees, and closing costs for the fee structure.
- Transfer or mortgage taxes. Some states charge transfer taxes on real estate transactions or new mortgage debt. Others do not.
- Foreclosure procedures. State law sets the foreclosure timeline and process. The differences matter most if a default ever happens. See HELOC risks and disclosures for the full risk framework.
- Constitutional rules. Texas writes home equity rules into the state constitution. That adds compliance complexity but does not change the core HELOC product.
The exact dollar figures for fees in your state are disclosed in your loan documents before closing. The HELOC is a second-position lien in most states, so the product preserves your first mortgage and the rate on it. See keep your low mortgage rate for the full framework.
How to confirm availability in your state
The application checks your state automatically. Two scenarios:
Your state is in our footprint. The soft credit check returns your real rate in about 15 minutes. From there, the application routes to a loan officer licensed in your state. No impact on your credit score from the pull.
Your state is outside our footprint. The application flags it before you go further. You do not waste time on a file we cannot fund.
For the full step-by-step on the digital HELOC application, see how to apply for a HELOC. For the typical timeline from application to funding, see how fast you can get a HELOC.
Start with the form below.
HELOC availability by state, answered
Is the HELOC available in Texas?
Yes. Texas is on the 9-state list. Texas has unique home equity lending rules under the Texas Constitution that add compliance steps, but the HELOC product is available to Texas borrowers today.
I live in New York. Can I get a HELOC through digitalheloc.ai?
Not currently. New York is not in our 9-state licensing footprint. We cannot originate a HELOC in New York at this time.
Are HELOC rates different by state?
Not significantly. The same program offers the same rate structure across all available states. What varies by state is the fee structure: state recording fees, transfer taxes, and other government fees that the borrower pays at closing. See how HELOC rates work for the full rate breakdown.
My state is not on the list. Will it be added?
We expand state coverage as licensing and program availability allow. There is no guaranteed timeline. If your state is not on the list today, this site cannot originate your HELOC right now. You can check back periodically or look for a HELOC lender licensed in your state.
Do I have to live in the property to get a HELOC?
No. Investment properties qualify in most available states at a lower CLTV (70 percent vs 85 percent for primary residence). Second homes and vacation homes are also eligible. The property has to be in a state where the HELOC program is available.
What if my LO is not licensed in my state?
You will be routed to a Lender Express loan officer who is licensed in your state. The application checks state availability and assigns the right LO automatically.
Can I get a HELOC if I am a snowbird with homes in two states?
Yes, if both states are in our footprint. The HELOC is on a specific property, not on you personally. The property’s state determines availability and applicable fees.
Find out in 15 minutes
The application confirms your state and returns your real rate.
No impact on your credit score to find out.