Equity Flow™ turns the equity you already own into steady monthly income — no new monthly payment, no refinance, and you keep the low rate you locked years ago. It's in private beta, and access is by approval.
The analysis tools below are free — no account needed. Start with your rate, then see what your equity could be doing for you.
See how your adjustable rate could reset and what it means for your monthly payment. Get scenario analysis and strategies before your next adjustment.
Analyze your ARM →Find out if your locked rate is an asset or a liability. Calculate your Payment Shield Value and learn whether to hold, refi, or make a move.
Calculate your value →Compare HELOCs, home equity loans, and cash-out refis side by side. See the true cost of each — and which ones protect your rate lock.
Compare your options →A fixed-rate loan against your home equity, no monthly payments, no refi, no giving up your rate. It's a loan, we say so up front. For homeowners and investors.
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