Cash-out refinance
Replace your existing mortgage with a new, larger loan and receive part of your equity as cash. Your rate and loan terms will change.
Explore cash-out ↗ Your next move starts hereYour equity.
Your equity.
Your investment.
Your next move.
Explore financing for what comes next—from buying a home and accessing equity to growing your rental portfolio.
Start with an inquiry. Pre-approval requires a separate lender review. No credit check on this website.
A little clarity. A new possibility.↗
01 Cash-out refinancing02 Home equity lines of credit03 Rental property financing04 Rate-and-term refinance05 Purchase loans
Different goals. Different paths.Financing that starts
Financing that starts
with your plans.
Choose what you want to accomplish. Start with the option that fits your situation.
HELOC
Explore a revolving credit line secured by your home, generally alongside your existing mortgage. Rates are often variable.
Explore a HELOC ↗DSCR loans
Explore investment-property financing evaluated using rental income relative to debt payments, alongside lender requirements.
Explore rental financing ↗Rate-and-term refinance
Explore replacing your mortgage to change its interest rate, repayment term, or both. Savings depend on available terms, closing costs, and how long you keep the loan.
Explore refinancing ↗Purchase loans
Buying your first home or making your next move? Start with your estimated purchase price and down payment to explore financing options.
Explore purchase financing ↗Less guesswork. More direction.
01 — YOUR GOAL
Choose your financing path
Access equity, explore a credit line, or finance an investment property.
02 — YOUR PROPERTY
Share the basics
Start with a few property details. No Social Security number or banking information.
03 — YOUR NEXT STEP
Prepare for a lender conversation
Review your details and the questions you want to ask before applying.
Your goals come firstA clear path.
A clear path.
A confident next step.
Explore five financing paths, share your goals, and request a conversation about what comes next.
Options in one place
From buying your first home to accessing equity or financing a rental property.
Start with the essentials
A short inquiry helps you prepare for a financing conversation without submitting sensitive documents.
Your experience matters
Tell us how we’re doing. Read about our review process or share feedback with the team.
Reviews & feedback ↗Make room for what’s nextLet’s find your
Let’s find your
starting point.
Select a financing option and tell us about the property.
Your inquiry is saved in EquityLane’s private lead portal and may be sold and shared with participating mortgage brokers and lenders for follow-up. Do not include Social Security numbers, account numbers, or documents.
Good questions to start with.
How are a cash-out refinance and HELOC different?
A cash-out refinance replaces your current mortgage. A HELOC is a separate credit line secured by your home. Compare total costs, payment changes, interest rates, and repayment terms with a lender.
What does DSCR mean?
Debt service coverage ratio compares a property's qualifying rental income with its debt payments. Lenders use their own calculations and eligibility requirements.
Does using this website affect my credit?
No. This website does not request a credit report or send a loan application to a lender. Any future lender credit check would be a separate step.
What happens after I submit?
After submitting the form, your inquiry is saved in EquityLane’s private lead portal and may be sold and shared with participating mortgage brokers and lenders. EquityLane or a participating company may contact you regarding your inquiry. No approval is provided by this website.