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Home equity rate and payment calculator
Understand your home equity options.
Tapping into your home equity may help you save money. Answer a few quick questions to see which lending options may be available to you.
For a list of your home equity options, enter your loan criteria.
select-HELOC
Payment and rate are estimated based on accessing:
You may apply for a line of credit up to:
A home equity line of credit is the most flexible type of home financing available. During your 10-year draw period, you can borrow as little or as much as you need, up to your approved credit line. You have the option to choose a minimum monthly payment of 1% or 2% of your outstanding balance, though some may qualify to make interest-only monthly payments. The minimum monthly payment shown in your results reflects interest-only monthly payments.
As your payments during the draw period are applied to the principal amount you owe, your available credit increases. Once the draw period ends, the repayment period begins.
For a list of your home equity options, enter your loan criteria.
30-HEQF2
Results are estimated based on a home equity loan amount of:
You may apply for a home equity loan up to:
A home equity loan is one-time installment loan secured by your home. Both the interest rate and monthly payments are fixed, ensuring you’ll have a predictable repayment schedule for the life of the loan.
For a list of your home equity options, enter your loan criteria.
20-HEQF2
Results are estimated based on a home equity loan amount of:
You may apply for a home equity loan up to:
A home equity loan is one-time installment loan secured by your home. Both the interest rate and monthly payments are fixed, ensuring you’ll have a predictable repayment schedule for the life of the loan.
For a list of your home equity options, enter your loan criteria.
15-HEQF2
Results are estimated based on a home equity loan amount of:
You may apply for a home equity loan up to:
A home equity loan is one-time installment loan secured by your home. Both the interest rate and monthly payments are fixed, ensuring you’ll have a predictable repayment schedule for the life of the loan.
For a list of your home equity options, enter your loan criteria.
10-HEQF2
Results are estimated based on a home equity loan amount of:
You may apply for a home equity loan up to:
A home equity loan is one-time installment loan secured by your home. Both the interest rate and monthly payments are fixed, ensuring you’ll have a predictable repayment schedule for the life of the loan.
For a list of your home equity options, enter your loan criteria.
5-HEQF2
Results are estimated based on a home equity loan amount of:
You may apply for a home equity loan up to:
A home equity loan is one-time installment loan secured by your home. Both the interest rate and monthly payments are fixed, ensuring you’ll have a predictable repayment schedule for the life of the loan.
Want to discuss your options with a banker?
Depending on your situation, discussing your home equity options with a banker might be your best next step. Bankers are available for virtual, phone and in-person appointments.
For a list of your home equity options, enter your loan criteria.
20-HEQF
Results are estimated based on a Smart Refinance loan amount of:
You may apply for a Smart Refinance loan up to:
A Smart Refinance loan is a no-closing-cost mortgage refinance option that lets you take advantage of lower rates, get cash out at closing and change your loan term to 5, 10, 15 or 20 years. The monthly payment reflects both the repayment for the cash out at closing and your monthly mortgage payment.
Smart Refinance can only be used as a home equity loan or refinance on your existing primary residence, and will be a first lien against that home. You can use the cash you get out at closing for home improvement projects, major purchases, debt consolidation, or other needs.
For a list of your home equity options, enter your loan criteria.
15-HEQF
Results are estimated based on a Smart Refinance loan amount of:
You may apply for a Smart Refinance loan up to:
A Smart Refinance loan is a no-closing-cost mortgage refinance option that lets you take advantage of lower rates, get cash out at closing and change your loan term to 5, 10, 15 or 20 years. The monthly payment reflects both the repayment for the cash out at closing and your monthly mortgage payment.
Smart Refinance can only be used as a home equity loan or refinance on your existing primary residence, and will be a first lien against that home. You can use the cash you get out at closing for home improvement projects, major purchases, debt consolidation, or other needs.
For a list of your home equity options, enter your loan criteria.
10-HEQF
Results are estimated based on a Smart Refinance loan amount of:
You may apply for a Smart Refinance loan up to:
A Smart Refinance loan is a no-closing-cost mortgage refinance option that lets you take advantage of lower rates, get cash out at closing and change your loan term to 5, 10, 15 or 20 years. The monthly payment reflects both the repayment for the cash out at closing and your monthly mortgage payment.
Smart Refinance can only be used as a home equity loan or refinance on your existing primary residence, and will be a first lien against that home. You can use the cash you get out at closing for home improvement projects, major purchases, debt consolidation, or other needs.
For a list of your home equity options, enter your loan criteria.
5-HEQF
Results are estimated based on a Smart Refinance loan amount of:
You may apply for a Smart Refinance loan up to:
A Smart Refinance loan is a no-closing-cost mortgage refinance option that lets you take advantage of lower rates, get cash out at closing and change your loan term to 5, 10, 15 or 20 years. The monthly payment reflects both the repayment for the cash out at closing and your monthly mortgage payment.
Smart Refinance can only be used as a home equity loan or refinance on your existing primary residence, and will be a first lien against that home. You can use the cash you get out at closing for home improvement projects, major purchases, debt consolidation, or other needs.
Learn more about home equity and what it can do for you.
Home equity FAQ
Compare home equity options.
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Disclosures
XX-014 Loan programs: credit + home
XX-021 Tax/legal advice - Bank only
XX-016 CPI brochure availability
XX-011 Equal Housing Lender
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