Heloc in CA - Any lenders who can close $1M+ line to reduce “available equity” in primary home??

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February 19, 2026

by a searcher from University of Pennsylvania - The Wharton School in San Francisco, CA, USA

For California SBA buyers: did anyone put a $1M+ HELOC / 2nd lien on the primary residence before SBA underwriting to reduce available equity and avoid a lender lien? Did the SBA lender accept it, or did they still treat the equity as available? Any pitfalls on timing, disclosures, or lender pushback? Are their any lenders who provide 1M+ Heloc?
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Reply by a searcher
from University of Cincinnati in Long Beach, CA, USA
^redacted‌ thanks for the tag. This qualifies as an ethical disclosure issue. IMHO, use the HELOC proceeds in the deal---good luck‌
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Reply by a searcher
from Boston College in Newport Beach, CA, USA
My guess is that they'll still require a lien of some sort. If not the house then something else. In my experience the bank doesn't care about the amount of equity in the house, if there are prior liens, its more of a checkbox item for them
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