Unlock requirements at a glance
| Requirement | Unlock | Notes |
|---|---|---|
| Minimum credit score | 500 | |
| Home value | At least $175,000 | |
| Cash you can get | $15,000 to $500,000 | |
| Leverage limit | Mortgage plus investment at most 70% of home value | |
| Time to settle | Within 10 years | |
| States served | 26 states | Unlock's own list |
Terms verified September 23, 2026; state list as of September 23, 2026. Every term and its source: Unlock on HEI Calculator's provider terms page. Unlock sets final terms after underwriting.
Do you qualify for Unlock?
Checked against Unlock's published requirements. Nothing is saved or sent.
You meet Unlock's published requirements
Most you could ask for on its limits: $225,000.
Unlock still reviews your application, title, and appraisal before making an offer.
If you don't meet Unlock's requirements
Other providers publish different limits:
- More time to settle: Point (30 years), Unison (30 years), Splitero (30 years), CHEIFS (no end date)
- Higher leverage limit: Point (80%, assumed), Hometap (75%), Unison (80%, assumed), Splitero (80%, assumed)
- More states: Point (32), Hometap (27)
See every provider at once with the HEI Offers matcher, read Unlock alternatives on HEI Compare, or, if a HELOC was turned down, start with Denied for a HELOC?
What Unlock would cost you
Qualifying is half the question. Use the Unlock calculator to see what you'd repay by year and growth rate, and read the full Unlock review.
States Unlock serves
Alabama, Arizona, California, Florida, Hawaii, Idaho, Indiana, Kentucky, Michigan, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Vermont, Virginia, Wisconsin, Wyoming. Source: Unlock FAQs.
Questions
What credit score does Unlock require?
Unlock publishes a minimum credit score of 500. Meeting it doesn't guarantee an offer; Unlock reviews your whole application.
Which states does Unlock operate in?
Unlock lists 26 states: Alabama, Arizona, California, Florida, Hawaii, Idaho, Indiana, Kentucky, Michigan, Missouri, Montana, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Utah, Vermont, Virginia, Wisconsin, Wyoming. Availability can vary by county; check with Unlock for your address.
How much money can I get from Unlock?
$15,000 to $500,000 on its published terms, and your mortgage plus the investment must stay within 70% of your home's value. For a $750,000 home with a $300,000 mortgage, that's $225,000.
How long do I have to settle with Unlock?
Within 10 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.
