No Income Verification HELOCs in Massachusetts

Home Equity Lines of Credit — Statewide

We offer a Stated Income/No Income Verification Home Equity Line of Credit (HELOC) throughout the state of Massachusetts. This is an ideal solution for self-employed borrowers, business owners, investors, and high-net-worth individuals.

Our monthly adjustable HELOC provides flexibility, competitive terms, and a streamlined approval process, all while eliminating the need for tax returns, W-2s, or pay stubs.

Whether you’re consolidating debt, funding home improvements, accessing liquidity, or planning for future expenses, this Massachusetts HELOC program offers a simple and efficient way to unlock your home’s value.

Massachusetts Stated Income HELOC Program Highlights

• Currently, the prime interest rate is 6.75% (as of 12/20/2025)
• Rate structure: Prime + 2.00%
• Floor rate: 5.00%
• No income verification required (Stated Income HELOC)
• No closing costs for HELOCs up to $250,000
• Appraisal required, but at no cost to you
• Loan-to-value: Up to 60% of the appraised value, minus the existing first mortgage balance
• Minimum credit score: 680+ for each borrower
• Prepayment penalty:
  • $500 only if the line is fully discharged within the first 2 years
  • No fee for paying the balance down to zero while keeping the line open

How This HELOC Works

Your available line amount is determined by the current appraised value of your home, less any outstanding first mortgage balance. Because this is a stated-income HELOC, qualification focuses primarily on property equity and creditworthiness, not income documentation.

This program is available on owner-occupied Massachusetts properties and provides ongoing access to funds as you need them — making it a powerful financial tool for responsible homeowners.

Contact us to see if we can help you get a No Income Check Home Equity Line of Credit in Massachusetts.