Equity Tap™

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. As soon as they're in, you'll see live numbers for every way to access your equity.

I bought my home in with a $ mortgage on a -year term, locked at %.
My home is worth approximately $.
Today's market rate for a comparable loan is %.

Your numbers are already live below. This runs a fuller read on the circumstances each option fits, beyond which one is cheapest on paper.

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. Adjust the slider below and every number updates live.

I'd like to access:
$130,000 of your equity · up to $668,000

Drag to change how much you'd draw. Every card and the table below recalculate as you move it.

Feature HELOC Home Equity Loan Cash-Out Refi Equity Flow™