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Home Rate Scout lending advisor

Home Rate Scout scouts rates from top mortgage and refinance lenders, then shows what your equity could unlock — compare your options side by side, in about a minute, with nothing to sign.

Real lending advisors review every match — no bots, no spam, no obligation.

Your home is probably your biggest asset. A HELOC or cash-out refinance is how you put it to work.

Tap your equity to pay off high-interest debt, fund a renovation, or cover a big expense — usually at a rate far below credit cards. But not every lender treats your numbers the same: rates and fees can vary widely from one lender to the next, so the one you pick can easily be worth thousands. That's the whole point of Home Rate Scout — we compare lenders for you, show your real options side by side, and match you with the ones that fit your equity, at no cost and with no obligation.

This is your scout report.

Enter a few numbers and we'll show what your home is really worth to you — then pair you with lenders who can turn that equity into the cash you need. Real options, matched to your numbers, ready to compare side by side.

Market Scout ReportSAMPLE
Estimated equity
$240,000
Current LTV
47%
A
Harborview Lending
30-Year Fixed
6.12% APR
$1,840/mo
B
Bluechip Lending
15-Year Fixed
5.85% APR
$2,105/mo

Illustrative sample rates. Request your statement below for real qualifying lender options.

The calculator

Your numbers, side by side.

Adjust the figures below. The report updates as you go — nothing is saved or sent until you ask us to.

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Not sure? Use a recent appraisal, a nearby comparable sale, or your county assessor's estimate.
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Check your latest mortgage statement for the exact payoff balance.
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Leave at $0 if you only have one loan on the home.

Rate Scout Report

LIVE ESTIMATE
Estimated home value$450,000
Mortgage balance$195,000
Second lien / HELOC$15,000
Your estimated equity$240,000
Equity 53%LTV 47%
Borrowable at 80% CLTV$150,000
Estimate only. Actual equity may vary based on appraisal, lender guidelines, and closing costs.
Email my statement and lender matches
How it works

Three steps to your best rate.

01

Tell us the basics

Your home's estimated value and what you currently owe. Takes under a minute.

02

We scout the market

Instant equity math, laid out clearly — equity, loan-to-value, and what today's lenders offer on homes like yours.

03

Get your lender options

We'll email your qualifying mortgage lender options — HELOC and cash-out refinance numbers you can compare, so you can start taking out the cash you need. No obligation.

Your lender options

Compare lenders ready to help you take out cash.

Based on your equity, we'll send qualifying mortgage lender options you can compare side by side and use to start taking out the cash you need.

  • Lenders who can lend against your available equity
  • Options to compare: a HELOC, home equity loan, or cash-out refinance
  • What each path could look like at today's rates
  • No calls or texts unless you ask for one
We never sell your information. Unsubscribe anytime. By submitting, you agree to be contacted about your qualifying lender options.
Homeowner insights

Rate smarts, straight to the point.

Strategic advice for the modern borrower.

View all guides →
Awareness

What Is Home Equity and How Is It Calculated?

Home equity is your home's value minus what you owe. Here is exactly how it is calculated, with worked examples.

Awareness

How Much Equity Do I Have in My Home?

Find out how much equity you have in your home in about a minute, using your home value and loan balances.

Get the Scout newsletter.

Rate updates, comparison tips, and your free equity statement.

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Questions

Frequently asked

Home equity is the part of your home you actually own outright — your home's current value minus whatever you still owe on it. If your home is worth $450,000 and you owe $210,000, your equity is $240,000.

We subtract your total loan balances — your primary mortgage plus any second mortgage or HELOC — from your estimated home value. We also show your loan-to-value ratio and a rough sense of what you could borrow against the home at typical lender limits.

No — it's an estimate. Your actual equity depends on a professional appraisal, current market conditions, and lender-specific guidelines. Think of this as a starting point, not a final figure.

No. This calculator doesn't check your credit at all — it only uses the numbers you enter. Your score is only affected if you later apply for a loan that requires a credit pull.

Common paths include a home equity loan, a HELOC (a revolving line of credit against your home), or a cash-out refinance. People use these for renovations, debt consolidation, education costs, or major purchases. Each option has different costs and risks worth weighing carefully.

Yes. The calculator itself doesn't send anything anywhere — it runs entirely on this page. Information is only sent to us if you choose to request the full emailed report, and we don't sell it.