What's the money for?
This steers which equity program actually fits — there are more options than most banks will show you.
How much are you looking to access?
A range is fine — this narrows which programs are on the table.
Roughly what's the home worth?
Your equity is the value minus what you owe — an estimate is fine.
Is there a mortgage on it now?
Round numbers are fine.
What's the rate on your current mortgage?
If you've got a great rate locked in, a HELOC lets you access equity without touching it. If your rate is high, a cash-out refinance might beat a HELOC — I'll compare both for you.
Which best describes the home?
Second homes and investment properties absolutely can qualify — they just use different programs.
How do you earn your income?
Self-employed? Don't worry — there are programs built exactly for you.
Want to qualify with bank statements?
If your tax returns don't show your real income (write-offs, anyone?), bank-statement programs qualify you on deposits instead.
If you qualify, want the no-appraisal route?
Some HELOC programs use an automated home value instead of a full appraisal — that can mean closing in days instead of weeks.
How would you want the funds?
This decides between a line of credit and a fixed home equity loan.
How's your credit?
Just a self-estimate — nothing is pulled from this form.
Where can I reach you?
I'll match your answers to the right program and reach out personally — no call centers, usually same day.
You're in good hands, there.
Here's what I've got. I'll match this to the right equity program and reach out shortly.
🔒 No SSN, no credit pull, no documents on this form — by design. Equal Housing Lender.