Your home isn't just where you live - its an asset. See how much equity you've built and how much you may be able to tap into for things like renovations, paying off debt, and other financial goals.
Most lenders will allow you to access up to about 80%-85% of your home's value, minus whatever you still owe on your mortgage.
A cash-out refinance replaces your current loan with a new, larger one. The difference comes back to you as cash. You'll have just one mortage payment moving forward, but your rate and terms may change
A home equity loan or HELOC works differently - its a second loan on top of your current mortgage. Your original loan stays exactly as it is, including your interest rate.
You won';t be able to borrow the full value of your home. Lenders typically require you to leave around 15%-20% equity in place to protect against market shifts.
Compliance Note: This calculator is meannt to give you a general estimate based on the values you enter. Your actual home value would need to be confirmed through an official appraisal. Approval for equity-based loans depends on factors like credit score, debt-to-income ratio, verified property value, and current lending guidelines. This is not a loan approval or commitment to lend.
We make it simple to move from building equity to actually using it - clear options, no confusion, and everything tailored to what you're trying to accomplish
Refinance directly
Consolidate debts
Fund renovations
Draw when needed
If you've built equity, you've got opportunities. The key is knowing how to use it the right way.
One loan, one payment
Use it as you need it
Curious about tapping into your home's value? Chat with our experts.
Let's see how much equity you can actually access. Getting pre-approved takes minutes and won't impact your credit score.
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