Unlock equity the smart way — without wrecking your payment.
Compare Refi vs Cash-Out vs HELOC, estimate payments and break-even timing, and get a clear DMV plan before you make a move.
Refiance & Equity Calculator Suite
Estimate refinance savings, cash-out options, HELOC payments, and break-even timing—based on your home value, mortgage balance, and goals.
Download the Full Refi & Equity Kit
Everything you need to choose the right move—and avoid refinancing blindly.
Refinance Roadmap (DMV)
A step-by-step timeline from today to funding—what happens at each phase, what documents you need, common delays, and how to close clean and fast.
Cash-Out Strategy Planner
Plan your cash-out with clarity—how much you can pull safely, what the new payment looks like, and how to allocate funds (debt payoff, renovations, reserves, investing) without wrecking your monthly budget.
Equity Readiness Checklist
Payoff statement, income docs, insurance, title/lien checks, and the common “gotchas” that slow underwriting.
HELOC Playbook + Draw Plan
How limits are set, how variable rates change payments, and a draw plan you can follow so you don’t over-borrow or get hit by payment shock.
Payment + Break-Even Calculator Sheet
Compare current payment vs new options, estimate closing costs, and see break-even—so you choose with math, not hype.
Ready to get started?
STILL NOT SURE?
Frequently Asked Questions
When does refinancing actually make sense?
When the savings (monthly + long-term) outweigh the total cost—and you’ll keep the loan long enough to hit break-even. The calculator helps estimate this quickly, then we confirm with real lender numbers.
What is break-even and why does it matter?
Break-even is how long it takes for monthly savings to “pay back” your closing costs. If you’ll move or refinance again before break-even, it may not be worth it.
Should I choose a refi, cash-out, or HELOC?
Refi (rate/term) is best when your goal is payment savings or term change.
Cash-out refi is best when you want a lump sum and the new first-mortgage payment still fits your plan.
HELOC is best for flexibility when you want access to funds without replacing your first mortgage (but it’s usually variable-rate).
How much equity can I pull out safely?
That depends on LTV limits, credit, income/DTI, and your payment comfort. “Max possible” is not always “smart.” We’ll match the amount to your budget and purpose.
Will a cash-out refi raise my payment?
Often yes—because you’re borrowing more and possibly changing rate/term. The right question is whether the new payment still supports your goals and the cash is being used wisely.
Are HELOC rates variable?
Most are variable and can change over time. That’s why a draw plan and payment buffer matter—we help you avoid payment shock.
Do I need an appraisal?
Often yes, but not always. Appraisal and underwriting requirements vary by program and lender. We’ll confirm once you choose a lane.
What documents will I need?
Typically income docs, mortgage statement, insurance, ID, and sometimes tax returns—plus anything required to verify employment and assets.
Do I have to sign anything to get scenarios or a strategy call?
No. Use the tool, download the kit, and book a call when you want the official options and next steps.
Email: [email protected]
Phone: (240) 702-1104
Address Office: 9801 Washingtonian Blvd, Ste: 600, Gaithersburg, MD, 20878