How much equity could you tap?

60-second estimate · No credit pull · CA homeowners

First — what's your home address?

CA only for now. Start typing — we'll auto-complete.

Looking up your property...

Found in public records

Here's what we found for your property:

Estimated home value
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Your mortgage
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Estimated current balance
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What's your current mortgage rate, roughly?

Not in public records — quick ask. Not sure is fine.

%
What's your credit score range?

No credit pull. Self-report — affects which programs we'd quote you.

Source: public county records + automated value model. Not a loan offer or commitment to lend. Adjust any number above if it doesn't look right.

Roughly — what's your home worth today?

A rough estimate is fine.

How much do you still owe on the mortgage?

Best guess is fine.

What's your current mortgage rate, roughly?

Not sure? That's totally fine.

What would you do with the money?

No wrong answer.

Calculated for you

Here's what's actually possible.

Three paths most homeowners don't realize they have.

Estimated equity in your home
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HELOC
Open a line of credit. Draw only what you need, when you need it. Close it anytime.
Max line available
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Variable rate. National average — APR per Bankrate, as of —. Your actual rate depends on credit + CLTV. Subject to credit, occupancy, and 80% CLTV. No closing costs on standby. Not a commitment to lend.
Cash Out Refinance
Replace your current mortgage with a larger one. Get the difference in cash at close.
Estimated cash to you
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Estimated 30-yr fixed cash-out

Tiered national averages. Same data shown to every visitor. Not a quote. Subject to credit, 80% LTV cap, and program limits. Closing costs typically 1.5%–2% of new loan. Not a commitment to lend.

Rate and Term
Same loan, shorter timeline. Build equity faster and save lifetime interest.
Estimated lifetime interest saved
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Estimated 15-year fixed. Today's estimated rate 6.250%–6.750% (APR 6.40%–6.90%). Monthly payment will be higher than your current 30-year. Subject to credit + LTV. Lifetime savings depend on actual rate at lock. Not a commitment to lend.
Today's market context
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Not a quote. Daily market averages, for reference only.

30-year fixed
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15-year fixed
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Rates shown are weekly market averages from Freddie Mac PMMS, updated —. These are not rate quotes. Your actual rate depends on credit score, loan-to-value, property type, loan program, occupancy, debt-to-income ratio, and other underwriting factors. Crave Loans does not guarantee that any specific rate will be available to you. A formal Loan Estimate will be provided after application.

Estimates only. All figures above are calculated from the inputs you provided and current rate ranges as of today. They do not reflect a loan offer, pre-approval, or commitment to lend. Actual cash available, monthly payment, rate, and APR depend on appraised value, loan program, credit score, debt-to-income, occupancy, property type, points, lender fees, and other underwriting criteria. Maximum LTV varies by program. Comparison payments assume the displayed balance amortized over the stated term at the stated rate; your actual current payment may differ based on original loan terms. Rates and terms change daily. Equal Housing Opportunity.

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