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Updated over 4 years ago on . Most recent reply

Ryan Birge's profile image
Ryan Birge's profile image
Ryan Birge
  • from Fishers, Indiana
  • Member since Mar 5, 2017
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Ryan Birge's profile image
Ryan Birge's profile image
Ryan Birge
  • from Fishers, Indiana
  • Member since Mar 5, 2017
Connect
Ryan Birge
  • Fishers, IN
2
Votes |
4
Posts
Private Lending & Conventional Mortgage Advice

Will a $0 Balance HELOC be considered when applying for Mortgage?

Ryan Birge
  • Fishers, IN
Posted

I have a second home that is paid-in-full. I have a HELOC for $250,000, with a $0 balance. I am considering applying for a loan for a new purchase (30Year, Primary residence) in the amount of $450-650k. Will the HELOC hurt my DTI in any way, assuming I have a $0 balance before they pull my credit? Do they ever require one to close the line, before the new mortgage approval? Searched, but never found the exact answer for this scenario? Thx! Ryan

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