Splitero requirements at a glance
| Requirement | Splitero | Notes |
|---|---|---|
| Minimum credit score | 500 | |
| Home value | At least $200,000, at most $5,000,000 | |
| Cash you can get | Up to $600,000, and at most 25% of your home's value | |
| Leverage limit | Mortgage plus investment under 80% of home value | Not published; our assumption |
| Time to settle | Within 30 years | Splitero's term matches your first mortgage, 10 to 30 years |
| States served | 17 states | Splitero's own list |
Terms verified September 23, 2026; state list as of September 23, 2026. Every term and its source: Splitero on HEI Calculator's provider terms page. Splitero sets final terms after underwriting.
Do you qualify for Splitero?
Checked against Splitero's published requirements. Nothing is saved or sent.
You meet Splitero's published requirements
Most you could ask for on its limits: $187,500.
Splitero still reviews your application, title, and appraisal before making an offer.
If you don't meet Splitero's requirements
Other providers publish different limits:
- More time to settle: CHEIFS (no end date)
- More states: Point (32), Hometap (27), Unlock (26), Unison (23), CHEIFS (22)
See every provider at once with the HEI Offers matcher, read Splitero alternatives on HEI Compare, or, if a HELOC was turned down, start with Denied for a HELOC?
What Splitero would cost you
Qualifying is half the question. Use the Splitero calculator to see what you'd repay by year and growth rate, and read the full Splitero review.
States Splitero serves
Arizona, California, Florida, Idaho, Missouri, Montana, Nevada, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wyoming. Source: Splitero: eligibility (retrieved September 26, 2026).
Questions
What credit score does Splitero require?
Splitero publishes a minimum credit score of 500. Meeting it doesn't guarantee an offer; Splitero reviews your whole application.
Which states does Splitero operate in?
Splitero lists 17 states: Arizona, California, Florida, Idaho, Missouri, Montana, Nevada, New Jersey, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Virginia, Washington, Wyoming. Availability can vary by county; check with Splitero for your address.
How much money can I get from Splitero?
Up to $600,000 on its published terms, up to 25% of your home's value, and your mortgage plus the investment must stay under 80% 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 Splitero?
Within 30 years, or sooner if you sell or refinance.
Want someone on your side?
Tell us where you are. Kevin, Jason, or Mike will look it over and reply by email.
