Your loan amount will be largely based on your home equity. In some cases, Guaranteed Rate may approve a HELOC with a combined loan-to-value (CLTV) ratio as high as 95 percent. With a Guaranteed Rate HELOC, you can take out a line of credit for as much as $400,000, depending on your eligibility qualifications. Our loan amounts range from a minimum of $15,000 to a maximum of $400,000. For properties located in AK, the minimum loan amount is $25,001. Your maximum loan amount may be lower than $400,000 and will ultimately depend on your home value and equity at the time of application. We determine home value and resulting equity through independent data sources and automated valuation models.