CHEIFS requirements at a glance
| Requirement | CHEIFS | Notes |
|---|---|---|
| Minimum credit score | 680 | |
| Home value | No published minimum | |
| Cash you can get | $70,000 to $2,000,000 | |
| Leverage limit | Mortgage plus investment at most 50% or 65% of home value, by program | |
| Time to settle | No scheduled end date | |
| States served | 22 states | CHEIFS's own list |
Terms verified September 23, 2026; state list as of September 23, 2026. Every term and its source: CHEIFS on HEI Calculator's provider terms page. CHEIFS sets final terms after underwriting.
Do you qualify for CHEIFS?
Checked against CHEIFS's published requirements. Nothing is saved or sent.
You meet CHEIFS's published requirements
Most you could ask for on its limits: $187,500.
CHEIFS still reviews your application, title, and appraisal before making an offer.
If you don't meet CHEIFS's requirements
Other providers publish different limits:
- Lower credit minimum: Point (500), Hometap (585), Unlock (500), Splitero (500)
- Higher leverage limit: Point (80%, assumed), Hometap (75%), Unlock (70%), Unison (80%, assumed), Splitero (80%, assumed)
- More states: Point (32), Hometap (27), Unlock (26), Unison (23)
See every provider at once with the HEI Offers matcher, read CHEIFS alternatives on HEI Compare, or, if a HELOC was turned down, start with Denied for a HELOC?
What CHEIFS would cost you
Qualifying is half the question. Use the CHEIFS calculator to see what you'd repay by year and growth rate, and read the full CHEIFS review.
States CHEIFS serves
Arizona, California, Delaware, District of Columbia, Florida, Idaho, Indiana, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Vermont, Virginia, Wisconsin, Wyoming. Source: CHEIFS licensing disclosures.
Questions
What credit score does CHEIFS require?
CHEIFS publishes a minimum credit score of 680. Meeting it doesn't guarantee an offer; CHEIFS reviews your whole application.
Which states does CHEIFS operate in?
CHEIFS lists 22 states: Arizona, California, Delaware, District of Columbia, Florida, Idaho, Indiana, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Vermont, Virginia, Wisconsin, Wyoming. Availability can vary by county; check with CHEIFS for your address.
How much money can I get from CHEIFS?
$70,000 to $2,000,000 on its published terms, and your mortgage plus the investment must stay within 65% of your home's value. For a $750,000 home with a $300,000 mortgage, that's $187,500.
How long do I have to settle with CHEIFS?
CHEIFS has no scheduled end date; you settle when you sell, refinance, or buy it out.
Want someone on your side?
Tell us where you are. Kevin, Jason, or Mike will look it over and reply by email.
