Do You Qualify?
Wells Fargo and other major banks typically limit HELOCs to 80% or 85% of your home's value. Check your LTV now.
Wells Fargo HELOC Calculator
Before you apply for a HELOC with Wells Fargo or any lender, you need to know your Loan-to-Value (LTV) ratio. This calculator helps you determine how much equity you can actually access and estimates your monthly payments based on current rates.
Check Eligibility & Payment
You Likely Qualify!
You have $140,000 in available equity.
Max Loan Amount
$140,000
Based on 85% LTV limit
Est. Monthly Payment
$992
Interest Only on full amount
Frequently Asked Questions
What is the maximum LTV for Wells Fargo?
Typically, Wells Fargo and other major banks cap HELOCs at a Combined Loan-to-Value (CLTV) ratio of 80% to 85%. This means your mortgage plus your HELOC limit cannot exceed 85% of your home's appraised value.
Does Wells Fargo offer a fixed-rate option?
Yes, Wells Fargo often offers a "Fixed-Rate Advance" option, allowing you to lock in a fixed interest rate on a portion of your HELOC balance for a specific term, providing protection against rising rates.
Are there annual fees?
Some lenders charge an annual fee (e.g., $50-$75), though it is often waived for the first year or for customers with certain checking accounts. Always check the specific terms of your offer.