What would you like to finance?
Choose your next move. Explore the financing to match.
Guidance in 142 languages.
Voice AI within your signed-in borrower application.
Personal guidance, when you’re ready to apply.EXPLORE BEFORE YOU APPLYYour financing workspacePayments, equity & comparisons +
MAKE THE NUMBERS YOURS
What could your next home look like?
Estimated monthly ownership
Explore an example, not a loan offer or eligibility result. Your inputs stay in this page. Actual terms require review.
BUYING POWER, FROM MORE THAN ONE ANGLE
Your cash today.
Your payment tomorrow.
Compare down-payment illustrations for the home price above. Explore the tradeoffs before choosing a direction.
Conventional fixed-rate illustrations, not available offers or approvals. Examples include the tax, insurance, HOA, closing costs and mortgage-insurance assumptions above. Availability and required down payments vary by program and eligibility.
Continue to HomeEqual for pre-approval ↗THE SAME GOAL. TWO DIFFERENT COMMITMENTS.
Keep your mortgage.
Or rethink the whole picture.
Compare a separate HELOC with replacing your mortgage through cash-out refinancing. Both illustrations use the amount you entered above.
What if the HELOC rate changes? +
A variable rate can change the payment. Explore interest-only and principal-and-interest examples on the same balance.
Illustrative calculations, not lender quotes. Both paths exclude tax, insurance, HOA and loan-specific charges from monthly payments. Example fees are paid upfront and do not reduce proceeds. HELOC draw rules, minimum draws, repayment structures and rate terms vary. Interest-only payments do not reduce principal.
What we offer
One place.
Every way forward.
Traditional income. Business income. Rental income. Explore the programs behind your next move.
Home loans in Florida. DSCR investment financing in all 50 states through participating lenders.
01Home purchase+
Conventional · FHA · VA · USDA · Jumbo
Buying your first home or your next one? Explore financing around your down payment, income, and property—with options for eligible first-time buyers, veterans, and borrowers purchasing in USDA-eligible areas.
Explore purchase loans02Home equity+
HELOCs · Cash-out refinancing
Use available equity for home improvements, larger expenses, or other goals. Compare access to funds, repayment terms, and costs before deciding how to borrow against your home.
Explore home equity options03Mortgage refinancing+
Rate-and-term · Cash-out
Change your loan term, explore a different payment, or access equity. Review a new loan against your current mortgage, including closing costs and the total cost of borrowing.
Explore refinancing04Self-employed financing+
Bank statement · Profit-and-loss programs
Your business income deserves more than a quick glance at a W-2. Explore alternative income documentation programs for qualifying business owners and self-employed borrowers.
Explore self-employed options05Investment property+
DSCR · All 50 states · Rental purchase & refinance
Finance an eligible rental property with programs that consider the property’s rental income. Explore purchase and refinance options for non-owner-occupied investment properties.
Explore investment financing06Build, buy land, or renovate+
Construction · Land · Fix-and-flip
Bring the project, the budget, and the vision. Discuss financing for a new build, a land purchase, or an eligible investment renovation, with requirements specific to the property and project.
Discuss project financingLoan programs are subject to borrower, property, state, and lender eligibility. Availability and terms vary.
FROM POSSIBILITY TO FUNDED
Know what comes next.
Explore the steps and the information to have ready. This is a process guide; no application has started.
Continue to HomeEqual ↗01Explore your options+
Start with the goal: buy, refinance, access equity or invest. Explore payments, upfront costs and the programs that fit the conversation.
02Apply & authorize verification+
Continue to HomeEqual to begin the application and authorize required checks. Be ready with identity, property, income and mortgage information. Verification begins after you authorize it in the application.
03Review your result & next steps+
A pre-approval may be available in minutes when the required information is available and eligibility is met. Review the lender’s findings, conditions, terms and costs before moving forward.
04Close & receive funds+
Complete closing and any required waiting period. Eligible HELOCs may fund in as little as 3 days; timing depends on the lender, your file and closing requirements.
A mortgage professional in your corner
Your situation deserves
a real conversation.
Credit questions. Business income. A property that needs work. Tell us the situation, and let’s discuss the loan paths worth exploring.
Talk with HomeEqual