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Home Equity Refinance Options

Use Your Home Equity to Explore Better Options

If you have equity in your property, there may be refinance solutions available even if credit has been a challenge.

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Explore possible equity-based refinance options
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Connect with licensed third-party mortgage professionals where available
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No obligation and no consumer fee from Mortgage Help Center

See Your Options
Get a Cash Offer

Home Equity Refinance Options

Find Out What May Be Available

Select your property value below to review potential equity-based refinance options.

Explore options based on home equity and income
Review possibilities without obligation
Compare refinancing with a possible cash offer

Start Here

This is not a loan application. Your inquiry may be referred to licensed professionals for review.

Select your property value to see your potential maximum loan amount.
Equity Refinance
This the total amount you owe including any back payments and fees.

This is the maximum extra cash that you can borrow above your existing loan if any. Enter your requested amount next. If it is a negative number, it means that you can not get any cash out.
If this shows a negative number, that means your property does not qualify.
You may not borrow more than 50% of your homes value, use the arrows below to go back and change the loan amount or value.
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Why Homeowners Explore Equity-Based Refinance

Depending on your situation, refinancing may help you access cash, improve monthly cash flow, consolidate debt, or move away from a difficult mortgage situation.

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Use Your Equity

Some loan programs may focus more heavily on available home equity, income, and property value.

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Access Cash

A refinance may help you pull cash from your home for debt, repairs, expenses, or other financial needs.

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Improve Cash Flow

Restructuring debt or refinancing may help lower financial pressure and create a more manageable path forward.

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What Is an Equity-Based Refinance?

An equity-based refinance is a loan product offered by some lenders that may place significant weight on the available equity in your home, along with income, property value, and other underwriting criteria.

These options may be useful for homeowners who have experienced recent credit challenges but still have meaningful equity in their property.

  • Explore possible refinance options based on equity
  • Review whether a lender may consider your situation
  • Compare refinance options with a possible cash offer
  • Move forward only if a third-party solution makes sense for you

Want to Compare a Cash Offer Instead?

If refinancing is not the best fit, you can also request a cash offer on your property and compare your options side by side.

Get a Cash Offer

Important Consumer Disclosures

We Are Not a Lender

Mortgage Help Center is not a lender or mortgage broker. We provide information and may refer your inquiry to third-party licensed professionals.

No Guarantee of Approval

Submitting an inquiry does not guarantee approval, funding, interest rates, terms, or program availability. All decisions are made by third-party providers.

No Consumer Fee From Us

Mortgage Help Center does not charge homeowners a fee to submit an inquiry or receive a referral.

Review All Terms Carefully

Any loan terms, rates, payments, fees, and disclosures will be provided directly by the lender or broker before closing.

Not a Loan Application

Submitting your information through this page does not constitute a formal mortgage loan application.

Third-Party Review

Any provider you are referred to will evaluate your inquiry based on its own licensing, underwriting rules, state availability, and program guidelines.

Ready to See What May Be Available?

Start by selecting your property value above. There is no obligation to explore your options.

See Your Options
Get a Cash Offer

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Mortgage Help Center provides informational resources and referral services. We are not a lender, mortgage broker, loan servicer, government agency, or your mortgage company. All loan decisions, terms, rates, fees, and approvals are determined solely by third-party providers.