Tap into your home equity
Put your home's equity to work.
See how much you could borrow against your home, whether through a cash-out refinance or a HELOC.
- Cash-out refinance, HELOC and fixed-rate second mortgage options
- Keep your low first-mortgage rate with a second lien
- Use funds for anything: remodels, debt payoff, tuition, investing
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Three ways to access your equity
Cash-out refinance
Replace your mortgage with a larger one and take the difference in cash. Best when today's rate is close to yours.
HELOC
A revolving line of credit you draw from as needed. Interest is usually variable.
Home equity loan
A fixed-rate lump sum on top of your current mortgage, with a predictable payment.
Common questions
How much equity can I borrow?
Most lenders let you borrow up to a combined loan-to-value between 80% and 90% of your home's value, depending on the program, your credit and the property.
Is a HELOC or a cash-out refinance better?
If your current rate is well below today's rates, a HELOC or home equity loan usually wins because your first mortgage stays untouched. Bill will run both.