A straight answer
Can I get a HELOC up to 85% of my home's value?
The direct answer
Yes. I offer a HELOC or home equity loan up to 85% of your home's value, combined with your first mortgage. If you need more than that, I have other ways to go higher, so text me.
I'm Zach von der Linden (NMLS 1652805), a mortgage broker with West Capital Lending, based in San Clemente. I put the financing together, and I tell you plainly which program fits. I work with homeowners in California, Utah, Oregon and Arizona.
Zach von der Linden, mortgage broker and Branch Manager, West Capital Lending · NMLS 1652805
Wholesale pricing · California, Utah, Oregon and Arizona
5.0 across 66 reviews on Experience.com (read on 2026-09-24) · Text reaches Zach directly · Last updated 2026-10-21
Want to borrow against your home? Text me what it is worth, what you owe on your first mortgage and how much you want.
This situation is worked out in a short conversation. No credit pull happens from a conversation. The options check is a soft credit pull with no impact on your credit score for the first look. Texts go to Zach's cell.
What does combined with my first mortgage mean?
Your first mortgage and the new HELOC or home equity loan are added together.
Together they go up to 85% of your home's value.
If you need more than that, I have other ways to go higher, so text me.
The CFPB says that if you already have a mortgage, a home equity loan or HELOC is a second mortgage you pay in addition to your first (CFPB, home equity loan or HELOC).
Lenders call the total a combined loan-to-value. Fannie Mae's guide adds the first mortgage and the other loans on the home, then divides by the lesser of the sales price or the appraised value (Fannie Mae Selling Guide, combined loan-to-value).
For a HELOC, Fannie Mae counts the full line, drawn or not.
What is my equity?
The CFPB says equity "is the amount your property is currently worth, minus the amount of any existing mortgage on your property" (CFPB, what is a home equity loan).
The new loan borrows against that equity.
The CFPB says that if you cannot pay back a home equity loan, the lender could foreclose on your home.
Should I take a HELOC or a home equity loan?
I offer both up to the same combined limit.
With a home equity loan, you receive the money in a lump sum.
With a HELOC, you draw money more than once from a maximum amount.
The home equity loan I offer is a fixed-rate second, not a HELOC.
How is my home's value checked?
The CFPB calls an appraisal "a written document that shows an opinion of how much a property is worth" (CFPB, appraisals).
The CFPB also says a lender can check a home's value in other ways.
Do you offer this in California, Utah, Oregon and Arizona?
Yes.
I offer the HELOC and the home equity loan in all four states.
What should I send first?
- A rough value for the home.
- Your first mortgage statement.
- Any other loan or line on the home.
- How much you want, and whether you want it at once or over time.
Self-employed? Read the self-employed HELOC page.
Questions people ask next
Does the 85% include my first mortgage?
Yes. Your first mortgage and the new HELOC or home equity loan together go up to 85% of your home's value.
Can I go higher than this?
Yes. If you need more than that, I have other ways to go higher, so text me.
What is the difference between a HELOC and a home equity loan?
A home equity loan pays you a lump sum. A HELOC lets you draw more than once from a maximum amount.
Which states do you offer this in?
California, Utah, Oregon and Arizona.
Does asking about this affect my credit?
A conversation does not pull credit. A full application does.
What clients say
Zach was so easy to work with. He made a stressful situation into a very positive experience for us and did push us one way or another. He listened to what we hoped we could accomplish and made it happen.
Word for word from Experience.com. Read all reviews.
Sources and checked dates
Sources: Confirmed by Zach, October 21, 2026 (checked 2026-10-21) · Confirmed by Zach, October 19, 2026 (restated October 21, 2026) (checked 2026-10-21) · CFPB, What is the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)? (last reviewed August 28, 2026) (checked 2026-10-19) · CFPB, What is a home equity loan? (last reviewed September 11, 2024) (checked 2026-10-19) · Fannie Mae Selling Guide, B2-1.2-02, Combined Loan-to-Value (CLTV) Ratios (12/04/2018) (checked 2026-10-19) · CFPB, What are appraisals and why do I need to look at them? (last reviewed September 4, 2020) (checked 2026-10-19) · West Capital Lending HELOC registration page (referral id omitted here) (checked 2026-09-09).
Show each claim on this page, what it depends on, and the date it was checked (7)
| What we say, and what it depends on | Source | Checked |
|---|---|---|
| Zach offers a HELOC or a home equity loan up to 85% of the home's value, combined with the first mortgage, in California, Utah, Oregon and Arizona. If a homeowner needs more than that, he has other ways (other products) to go higher. | Confirmed by Zach, October 21, 2026 | 2026-10-21 |
| The home equity loan Zach offers is a fixed-rate second mortgage, not a HELOC. | Confirmed by Zach, October 19, 2026 (restated October 21, 2026) | 2026-10-21 |
| CFPB, What is the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)? (last reviewed August 28, 2026): "For both home equity loans and HELOCs, if you already have a mortgage these new loans would be considered second mortgages that you'd need to pay in addition to your first mortgage. With a home equity loan, you receive the money you are borrowing in a lump sum payment". "With a Home Equity Line of Credit (HELOC), you can borrow or draw money multiple times from an available maximum amount." | CFPB, What is the difference between a Home Equity Loan and a Home Equity Line of Credit (HELOC)? (last reviewed August 28, 2026) | 2026-10-19 |
| CFPB, What is a home equity loan? (last reviewed September 11, 2024): "A home equity loan (sometimes called a HEL) allows you to borrow money using the equity in your home as collateral. Equity is the amount your property is currently worth, minus the amount of any existing mortgage on your property. You receive the money from a home equity loan as a lump sum." "If you cannot pay back the HEL, the lender could foreclose on your home." | CFPB, What is a home equity loan? (last reviewed September 11, 2024) | 2026-10-19 |
| Fannie Mae Selling Guide B2-1.2-02, Combined Loan-to-Value (CLTV) Ratios (12/04/2018): "The CLTV ratio is determined by dividing the sum of the items listed below by the lesser of the sales price or the appraised value of the property": "the original loan amount of the first mortgage, the drawn portion (outstanding principal balance) of a HELOC, and the unpaid principal balance of all closed-end subordinate financing." B2-1.2-03, Home Equity Combined Loan-to-Value (HCLTV) Ratios (02/23/2016), counts "the full amount of any HELOCs (whether or not funds have been drawn)". | Fannie Mae Selling Guide, B2-1.2-02, Combined Loan-to-Value (CLTV) Ratios (12/04/2018) | 2026-10-19 |
| CFPB, What are appraisals and why do I need to look at them? (last reviewed September 4, 2020): "An appraisal is a written document that shows an opinion of how much a property is worth." "An appraisal is an independent assessment of the value of the property." "Your lender may also use other ways to check the value of the home." | CFPB, What are appraisals and why do I need to look at them? (last reviewed September 4, 2020) | 2026-10-19 |
| On the West Capital Lending HELOC registration page, checking qualifying rates and terms uses a soft credit pull that does not affect the credit score; continuing and submitting an application requests a full credit report, which is a hard pull that may affect credit. | West Capital Lending HELOC registration page (referral id omitted here) | 2026-09-09 |
Written for and accountable to: Zach von der Linden, Mortgage broker and Branch Manager, West Capital Lending.
Last updated 2026-10-21.
Verify him: NMLS Consumer Access, ID 1652805 · 66 reviews on Experience.com.
Sources for product claims are listed on this page, with the date each was checked.
Want to see how much you can borrow?
No credit pull happens from a conversation. The options check is a soft credit pull with no impact on your credit score for the first look. Text Zach first so he can review your situation. The online check covers one HELOC program, not every option he may be able to arrange. Texts go to Zach's cell.