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Find the cash-out solution for you

Answer a few questions to get a custom match based on your goals.

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Overview
Process

Finding your equity match

Match made!

1 of 5

Do you want to keep your current interest rate?

If your rate’s already low, keeping it could be a smart move.

Do you plan to stay in this home for 5+ years?

Staying put? A refi can deliver more value the longer you stay.

Are you looking to borrow $45K or above?

Typically, the greater your equity the more cash you can access.

Prefer to keep this separate from your mortgage?

Some options combine into one payment. Others keep it separate.

Want to factor in your equity?

This will help us a find your most accurate match

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Please enter your estimated home value
$
Please enter your remaining mortgage balance
Illustration of a Home Equity Loan document
Best Match

Home Equity Loan

This option's a strong fit for your goals and does not affect your current mortgage rate.

Estimated home equity—
Cash you could access—
Estimated home equity—
Cash you could access—
Estimated home equity (10%)—
Equity to qualify (20%)
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Equity needed—
Estimated home equity (10%)—
Equity to qualify (20%)
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Equity needed—

You’re closer than you think! Explore ways to build equity.

Legal Disclosures

1 Home Equity Loan product requires full documentation of income and assets, credit score and max loan-to-value (LTV), combined loan-to-value (CLTV), and home equity combined loan-to-value (HCLTV) ratios. Requirements were updated 11/19/25 and are tiered as follows: 680 minimum FICO with a max LTV/CLTV/HCLTV of 80%, 700 minimum FICO with a max LTV/CLTV/HCLTV of 85%, and 740 minimum FICO with a max LTV/CLTV/HCLTV of 90%. Your debt-to-income ratio (DTI) must be 50% or below. Valid for loan amounts between $45,000.00 and $500,000.00 (minimum loan amount for properties located in Michigan is $10,000.00). Product is a second standalone lien and may not be used for piggyback transactions. Product not available on Ameriprise products. Guidelines may vary for self-employed individuals. Some mortgages may be considered "higher priced" based on the APR spread test. Higher-priced loans in the State of New York are subject to additional regulatory requirements. Additional restrictions apply. This is not a commitment to lend.\nAssumptions:\nWe assume that the borrower maintains a minimum credit score of 620 or higher at the time of evaluation.

Illustration of a Home Equity Loan document

Why it works for you

The basics

  • Fixed rate
  • Clear payoff timeline
  • Primary mortgage rate unaffected

Key benefits

  • Faster access to cash
  • Predictable payments
  • Rates often lower than personal loans

Things to consider

  • Single payout structure
  • Separate monthly payment
  • Secured by your home
Illustration of a Cash-out loan document
Best match

Cash-out refinance

This option’s a strong fit for your goals and and could improve your rate.

Estimated home equity—
Cash you could access—
Estimated home equity—
Cash you could access—
Estimated home equity—
Equity to qualify (25%)
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Equity needed—
Estimated home equity—
Equity to qualify (25%)
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Equity needed—

Legal Disclosures

Estimated equity is based on the highest estimate of the current value of your property minus estimate of the current amount you owe on your mortgage(s).

Assumptions: We assume that the borrower maintains a minimum credit score of 620 or higher at the time of evaluation.

Illustration of a Cash-out loan document

Why it works for you

The Basics

  • Pros Replaces current mortgage
  • Pros One combined payment
  • Pros New rate and loan terms

Key benefits

  • Pros Access a larger sum
  • Pros Simplified finances
  • Pros Rates often lower than personal loans

Things to consider

  • Pros Resets mortgage with new terms
  • Pros Your rate will likely change
  • Pros Value increases the longer you stay
Illustration of a personal loan document
Best match

Personal loan

This option's a strong fit for your goals and could help you get funded faster.

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Illustration of a personal loan document

Why it works for you

The basics

  • Fixed rate, clear timelines
  • Simple application process
  • Not secured by your home

Key benefits

  • Quick approval and funding
  • No impact to your mortgage
  • Predictable, monthly payments

Things to consider

  • Single payout structure
  • Can come with a higher rate
  • Lower borrowing limits

Save it now or share it later.

Share your home equity results and start planning what’s next 

Every option in perspective

Explore ways you could unlock cash, including equity solutions.

Home Equity Loan

A separate loan alongside your current mortgage.

Best for

Larger sums, predictable payments

Payment structure

Monthly

Rate type

Fixed

Borrow amount

Up to 80% of home equity value

Time to funds

2 - 4 weeks

Key benefits:

  • • Lump sum payout
  • • Primary mortgage rate unaffected
  • • Higher borrowing limits

Why this works for you:

  •  Lump sum payout
  • Primary mortgage rate unaffected
  • Higher borrowing limits

Cash-out refinance

Replaces current mortgage with one that includes your cash-out amount.

Best for

Larger sums, one mortgage payment

Payment structure

Monthly

Rate type

Fixed

Borrow amount

Up to 90% of home equity value

Time to funds

21 - 45 days

Key benefits:

  • • Access more cash
  • • One simple payment
  • • Potential for lower cost

Why this works for you:

  •  Access more cash
  • One simple payment
  • Potential for lower cost

Personal loan

Fixed-rate loan that doesn’t use your home to secure it.

Best for

Fast funding, predictable payments

Payment structure

Monthly

Rate type

Fixed, often higher

Borrow amount

Up to $45,000 with Rocket Loans

Time to funds

Typically same day

Key benefits:

  • • Borrow less than $45k
  • • Fast approval and funding
  • • Predictable payments

Why this works for you:

  •  Wanting less than $45k
  • Fast approval and funding
  • Predictable payments

For personal loan options, we’ll connect you with Rocket Loans to see what’s available.

Best for

Larger sums, predictable payments

Payment structure

Monthly

Rate type

Fixed

Borrow amount

Up to 80% of home equity value

Time to funds

2 - 4 weeks

Key benefits:

  • • Lump sum payout
  • • Primary mortgage rate unaffected
  • • Higher borrowing limits

Why this works for you:

  •  Lump sum payout
  • Primary mortgage rate unaffected
  • Higher borrowing limits

Legal disclosure

1 Home Equity Loan product requires full documentation of income and assets, credit score and max loan-to-value (LTV), combined loan-to-value (CLTV), and home equity combined loan-to-value (HCLTV) ratios. Requirements were updated 11/19/25 and are tiered as follows: 680 minimum FICO with a max LTV/CLTV/HCLTV of 80%, 700 minimum FICO with a max LTV/CLTV/HCLTV of 85%, and 740 minimum FICO with a max LTV/CLTV/HCLTV of 90%. Your debt-to-income ratio (DTI) must be 50% or below. Valid for loan amounts between $45,000.00 and $500,000.00 (minimum loan amount for properties located in Michigan is $10,000.00). Product is a second standalone lien and may not be used for piggyback transactions. Product not available on Ameriprise products. Guidelines may vary for self-employed individuals. Some mortgages may be considered “higher priced” based on the APOR spread test. Higher‑priced loans in the State of New York are subject to additional regulatory requirements. Additional restrictions apply. This is not a commitment to lend.

Legal disclosure

2 All loans are made by Cross River Bank, a New Jersey state chartered commercial bank, Member FDIC, Equal Housing Lender. All loans are unsecured, fully amortizing personal loans. Eligibility for a loan is not guaranteed. This is not a deposit product. Please refer to our disclosures and licenses page for state-required disclosures, licenses, and lending restrictions.

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Equity questions? Let’s talk about it.

Important legal disclosures

Refinancing may increase finance charges over the life of the loan.