Recently Purchased Home: HELOC Ownership Seasoning Requirements
Ownership seasoning — how long you've owned the property — affects HELOC eligibility differently across programs. Some programs allow very short seasoning; others require six months or more. If you purchased your home recently, the program comparison starts with seasoning.
Seasoning Requirements by Program
HELIX has very limited ownership seasoning requirements compared with several competitors. Current program documentation reflects essentially one-day ownership eligibility in ordinary circumstances. This makes HELIX particularly useful for borrowers who purchased recently and want to access equity quickly. Note: listed-property restrictions still apply in some states.
NFTYDoor generally has limited ownership seasoning requirements. Specific current seasoning requirements should be confirmed for current execution.
Aven's ownership seasoning requirements should be confirmed for current execution. The specific seasoning requirement may affect eligibility for recently purchased properties.
Figure's ownership seasoning requirements should be confirmed for current execution.
For primary residence, Deephaven has no absolute six-month ownership requirement — but if seasoning is under six months, the maximum CLTV is generally reduced by 10%. For second homes and investment properties, Deephaven generally requires six months ownership seasoning. This is a meaningful restriction for recently purchased investment properties.
If you purchased your home within the last six months and want to access equity, HELIX's minimal seasoning requirement makes it a natural first comparison. For investment properties purchased recently, HELIX's seasoning flexibility is a significant advantage over Deephaven's six-month requirement.
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Shop My HELOC OptionsProgram information last reviewed: August 2026
HELOC guidelines change frequently. Seasoning requirements and program availability may change without notice. This information is educational and is not a loan approval, commitment or guarantee.