Compare your options for accessing home equity. See the true cost of each approach and whether it preserves or destroys your rate lock.
Total Equity
$250,000
Available (80% CLTV)
$150,000
Current LTV
66.7%
Accessing
$100,000
Your Situation
Tell us about your home and mortgage
Enter your details below and we'll compare the best ways to access your equity.
I have a $ mortgage
with years remaining,
locked at %.
My home is worth approximately $.
Today's market rate for a comparable loan is %.
I'd like to access $ of my equity
for .
My credit score is approximately
.
Equity Position
Your home equity snapshot
$350,000
Total home equity
53.3%
Current LTV
$200,000
Available (80% CLTV)
$1,742
Current payment
3.55%
Rate advantage
Your Options
How to access your equity
Four ways to tap your equity, ranked by total cost and rate lock preservation.
Feature
HELOC
Home Equity Loan
Cash-Out Refi
HEI
You're a strong candidate for Equity Flow
Your below-market rate lock is a valuable asset. Equity Flow lets you access cash with $0 monthly payments — without destroying your rate.