Low Credit Score HELOC: Which Programs Go Below 680
Not every digital HELOC program requires a 720 credit score. Several programs go meaningfully lower — but the CLTV limits, line sizes, and available terms change significantly at lower credit tiers. Here is what each program currently offers below 680.
Program-by-Program Minimum Credit
NFTYDoor currently has one of the lower minimum credit scores among the five programs — approximately 600 for primary residence. At lower credit tiers, the maximum CLTV decreases. The primary-wage-earner credit approach can be an advantage when one borrower has strong income but lower credit.
HELIX goes down to approximately 600 for primary residence. At 620–639: up to $250,000 at 55% CLTV. At 600–619: up to $250,000 at 50% CLTV. Investment property requires approximately 700 minimum. The lower credit tiers have meaningfully lower CLTV limits and smaller maximum line sizes.
Aven's minimum is approximately 620 for owner-occupied. Non-owner (investment, second home) generally requires approximately 680. Aven has explicit minimum credit requirements for both co-borrowers — a lower-scoring co-borrower can affect eligibility.
Figure's minimum is approximately 640 for owner-occupied and approximately 680 for non-owner. Lower credit tiers have reduced CLTV limits.
Deephaven generally requires 660–680+ depending on occupancy and bucket. It does not go as low as NFTYDoor or HELIX for primary residence. However, Deephaven's non-QM income flexibility (bank statements, DSCR) can help borrowers who have adequate income but lower credit.
Quick Reference by Credit Range
| Score Range | Programs Available | Notes |
|---|---|---|
| 600–619 | NFTYDoor, HELIX (primary only) | Very limited CLTV (50–55%), smaller line sizes |
| 620–639 | NFTYDoor, HELIX, Aven (owner-occupied) | Reduced CLTV, smaller lines |
| 640–679 | All five programs (primary) | Moderate CLTV, full program access varies |
| 680+ | All five programs | Full program access, higher CLTV available |
See Which Programs Fit Your Situation
Morgan Hardy shops all five programs. Send him the basics once and he'll identify which are relevant for your property, income, and situation.
Shop My HELOC OptionsProgram information last reviewed: August 2026
HELOC guidelines change frequently. Credit-score thresholds, CLTV limits, and program availability may change without notice. This information is educational and is not a loan approval, commitment or guarantee.