Unlock your home’s equity — even if the bank said no.

Discover how much equity your home can unlock. Our free HELOC calculator helps you save money, reduce debt, and reach your goals with expert guidance you can trust. Our HELOC approval is simple, stress-free, and built around your needs.

Home Equity Line of Credit (HELOC)

Your Estimated Home Value

Enter the current estimated value of your home.

Your Existing Mortgage Balance

Enter your outstanding mortgage amount. Enter total of all mortgages if more than one.

How Much Would You Like To Borrow?

Enter the amount you would like to access from your equity.

Would You Like To Consolidate Debt?

Choose “Yes” to include unsecured debts (like credit cards) in your HELOC calculation.

Yes No

Amount of Debt to Consolidate

Enter the total amount of credit cards, unsecured debt, and outstanding taxes you want to pay off with your HELOC.

Maximum HELOC Limit

Typically up to 80% of your home’s value minus what you owe on your mortgage.

Your HELOC Amount

If $0 is displayed, selected HELOC amount exceeds the maximum available HELOC limit.

Your New Monthly Payment

Payments may vary depending on your lender, credit, repayment terms, and current prime interest rate.

Estimated Current Monthly Debt Payment

$0.00

Monthly Savings By Consolidating

Compares your current total debt payments to the estimated HELOC payment for monthly savings.

$0.00

Estimated Annual Savings With Lighthouse

This is an annualized estimate; actual savings depend on your specific terms.

$0.00

Secure your HELOC Today!

Submit to unlock your personalized HELOC results.

The best rate is only the beginning. We know tapping into your home’s equity is a big decision, and our team is here to make sure your HELOC works for your life, not just your numbers. No homeowner is ever turned away — because every situation is unique, and you deserve options that fit you.

See Your HELOC Options Today

Unlock My Home Equity

No matter your credit history or income, we’ll help you access the equity you’ve worked hard for. Our team explores every option to find a HELOC that gives you the funds you need, with terms that fit your life.

Unlock Your Home’s Equity Now

Start My Application