HELOCs by State

Morgan Hardy is currently licensed in six states. State law, product availability, and program-specific rules can affect your HELOC options in meaningful ways — especially in Tennessee and Texas.

Tennessee

Deep treatment

Tennessee affects allowed term, draw structure, fees, and listed-property eligibility differently across programs. Not all national HELOC products work the same way here.

View state guide

Texas

Deep treatment

Texas 50(a)(6) home-equity rules impose an 80% CLTV cap, cooling-off periods, fee limits, and special closing requirements on primary-residence transactions.

View state guide

Florida

Condo nuances

Florida condo treatment can create program-specific restrictions. The same borrower and property may produce different outcomes across available programs.

View state guide

Georgia

Full access

Georgia borrowers have access to all five digital HELOC programs Morgan shops. AVM, credit, and property differences still drive the comparison.

View state guide

North Carolina

Rural & acreage

North Carolina can have fee and product limitations that affect available executions. Program availability should be confirmed for your specific situation.

View state guide

South Carolina

Coastal market

South Carolina borrowers have access to the full program set. State-specific nuances are more limited than Tennessee or Texas, but AVM and credit differences still matter.

View state guide

State rules are one factor. AVM is another.

Even within the same state, different programs can value your property differently — which changes how much equity you can access.

Compare Programs

Program availability and state-specific rules change frequently. This information is educational and is not a loan approval, commitment or guarantee.