Mable Loans

Up to $1 million

Up to $1,000,000 from your home

A large equity line at a fixed rate for strong credit. Check your number in 60 seconds.

  • 100% free & no obligation
  • Soft pull. Won't hurt your score
  • Results in under 60 seconds

What is a jumbo HELOC?

It's a home equity line above $400,000, up to $1,000,000. It's built for high-value homes and strong credit.

Larger lines take a full appraisal and two years of income, and every borrower needs a 760+ score.

Why choose a large home equity line

Lines to $1M

Borrow up to 80% of your home's value with 760+ credit.

Keep your mortgage

Leave your first loan and its rate alone.

Fixed rate

Lock it for 10, 15, 20 or 30 years.

Draw again for 5 years

Pay down and redraw with no new fee.

Line size
Up to $1M
Line size
Credit score
760+
Credit score
Of your home's value
Up to 80%
Of your home's value
10 to 30 years
Fixed rate
10 to 30 years

How much can you borrow with a jumbo HELOC?

Up to $1,000,000 and 80% of your home's value. Behind an existing mortgage, the line can be up to 40% of the home's value.

Example: a $2,000,000 home with a $600,000 mortgage. 80% of the value is $1,600,000, so you could borrow up to $800,000.

How it works

  1. 1

    Check your number

    A few questions. No credit pull.

  2. 2

    Pick your amount

    Slide to the cash you want and see your payment.

  3. 3

    Apply online

    Sign online and get your money.

See my potential savings

Who qualifies

  • Credit score of 760 or higher for every borrower
  • Full home appraisal
  • Two years of income
  • Home in your name or a revocable family trust
  • No bankruptcy in the last 4 years

Jumbo HELOC questions

What do I need for a line over $400,000?

760+ credit for every borrower, a full appraisal and two years of income.

Where are lines over $400,000 available?

Everywhere we lend except Arkansas, Idaho, Louisiana, New Mexico, Oklahoma, South Dakota and Wyoming.

Will checking hurt my credit?

No. Seeing your numbers takes no credit pull. A soft pull comes only when you apply.

What does it cost to close?

Nothing out of pocket. A one-time fee of 1.9% to 4.9% comes out of the line, title and signing are covered, and recording costs go into a 12-month 0% plan. No annual fee.

Where is it available?

46 states and DC. Not yet in California, Hawaii, Massachusetts, Nevada or New York.

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