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Am I eligible for
Beeline Equity Now?

You qualify if you own and live in a single-family primary residence worth roughly $900,000 or more in an eligible US zip code. There is no credit-score minimum, no income check, and no debt-to-income test.

What matters

The home

  • You own your home
  • You live in it
    As your primary residence
  • It's a single-family home
  • Worth at least $900,000
What doesn't

You

  • No credit score minimum
    Bumpy credit history is fine
  • No income verification
    No pay stubs, W-2s or tax returns
  • No debt-to-income check
    Your DTI doesn't drive the decision
  • No employment check
    Self-employed, retired, in between jobs

The fastest way to know for sure? Pop your address in. You'll see a real number in a couple of minutes.

Check my eligibility
For now

Not eligible — yet.

If you're not eligible today, it's worth checking back. We're expanding fast.

See if we're in your area
  • Second homes and holiday homes
  • Investment and rental properties
  • Multi-family buildings
    Duplexes, triplexes, etc.
  • Some zip codes
    We're not everywhere — yet
FAQs

Eligibility questions, answered

Plain English. Your Equity Guide is one tap away if you'd rather just talk to a human.

See your offer
Does my credit score matter?
No. This isn't a loan, so your credit score doesn't drive the decision the way it would for a HELOC or cash-out refi. We care about your property and your equity position.
Does my income matter?
No. No income verification, no debt-to-income check, no pay stubs. Self-employed, retired, between jobs — it's all good.
Do I need to live in the home?
Yes. It has to be your primary residence. Second homes, holiday homes, and investment properties aren't eligible right now.
Can I qualify if I already have a HELOC or reverse mortgage?
Often, yes — as long as you have enough unencumbered equity in your home. The offer tool will tell you in a couple of minutes. It's worth checking your existing agreements for any restrictions before you go ahead.
What states are you in?
Pop your address into our offer tool — if we can help where you live, you'll see a real number in seconds. We're expanding zip code by zip code.
Can I apply if I'm retired or on a fixed income?
Yes. No income check, no DTI calculation, no credit gymnastics. If you own your home and have the equity, you're probably eligible.
Check my eligibility