Mortgage Strategy Engine
Refinance vs HELOC vs Second Mortgage Analyzer
Evaluate equity-access strategies with a cleaner decision flow, client-ready output, and advisor-grade comparison logic.
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905-441-0770
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allen@allenehlert.com
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www.AllenEhlert.com
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Scenario

Use your equity with more clarity

Compare refinance, HELOC, and second mortgage strategies based on estimated upfront cost, monthly payment, total cost over time, effective cost of new money, and likely fit for your goal.

This version runs entirely in the browser and is designed for planning conversations, not lender approval.

1. Goal
2. Property
3. Mortgage
4. Profile
5. Assumptions & Report
Start with your borrowing goal.

1. Borrowing Goal

Next, map the property and existing equity.

2. Property and Equity

Now assess the current mortgage structure.

3. Current Mortgage

Use a light borrower profile to estimate fit.

4. Borrower Profile

Finish with assumptions and report details.

5. Advanced Assumptions

The underlying defaults use 80% LTV for refinance and HELOC combined exposure, and 85% for second mortgage combined exposure.

6. Client Report Details

QA Mode

Run one validation scenario or auto-run the full suite. QA Mode fills the form, runs the analyzer, and compares expected versus actual results.

The dashboard below shows expected winner, actual winner, statuses, and pass/fail for each scenario.
QA dashboard ready. Click Run Full QA Suite to populate results.
Total Scenarios: 0
Passed: 0
Failed: 0
IDScenarioExpectedActualStatusesResult
Run Full QA Suite to populate the dashboard.