Figure offers loans on single-family residences, townhouses, planned urban developments (PUDs), most condos, and duplexes (with a minimum credit score of 680 and a maximum DTI of 45%). The following properties are not eligible: co-ops, commercially zoned real estate, multifamily (3+) real estate, manufactured housing, earth or dome homes, timeshares, log homes, houseboats, or mixed-use properties.

The property may be the applicant's primary or secondary residence.

Properties with title changes in the preceding 90 days or those that are determined to be in less than average condition are not eligible for a Figure HELOC.