Share this article!, a mortgage and real estate information resource, has published a list of lenders in nearly every state that offer home equity lines of credit (HELOCs) up to 100% of the home’s value.

The list comes at a time when elevated interest rates have made it difficult for homeowners seeking to their home equity with a cash-out refinance. But finding generous loan-to-value (LTV) lending is difficult.

The new list located 100% LTV home equity lenders in 48 out of 50 states – Alaska and Texas, were the exception, where the lenders’ maximum was 80%.

“Home values have risen 29% since 2020 according to the U.S. Census Bureau,” said Tim Lucas, senior editor at “This has given homeowners massive equity in their homes. But they could experience a $1000-per-month increase in their mortgage payment if they used a standard cash-out refinance to tap that equity, based on Freddie Mac rate averages. Interestingly, most high-LTV HELOC lenders are quiet about their offerings. Our research involved intensive searching online, calling lenders, and scouring fine print. It’s almost as if these institutions fear being overwhelmed with demand for these programs.”

Lucas added that most nationwide banks and many regional institutions are not comfortable lending on 100% of a home’s value.

“There’s a real gap in the market, and honestly, a huge opportunity,” he said. “A nationwide lender could dominate today’s white-hot HELOC market by offering a single, high-LTV product in every state.”