Acquiring a protected Loan Which have Poor credit Recognition to possess a property equity line of credit (otherwise 2nd home loan) differ substantially of financial so you’re able to financial. Inside Utah, and therefore sometimes go after federal criteria. Generally however, an average qualifying minimum getting a property guarantee personal line of credit may include: A financial obligation-to-money ratio out-of 43 percent or quicker A credit score of at least 620 (and you may ideally higher) Property worth of at least 20 percent more than people personal debt you currently owe If you believe it appears like a managing work, its.