Loan Calculators
Home equity calculator
See how much of your California equity is actually borrowable, and which product fits the way you plan to use it.
Potentially borrowable
$400,000
- Total equity$630,000
- Equity share of value55%
- Max lien at 80% LTV$920,000
Estimate only. Actual limits depend on credit, income, occupancy, and appraisal.
Which option fits
HELOC
Revolving line, variable rate. Best for staged remodels or a flexible reserve.
Fixed home equity loan
Lump sum, fixed payment. Best for a one-time project with a known cost.
Cash-out refinance
Replaces your first mortgage. Best when the new rate is close to your current one.