Your home equity isn’t just a number on paper — it’s a powerful financial tool if you know how to use it properly.

My Home Equity Access Calculator helps you model how much equity you may be able to unlock through a refinance, HELOC, second mortgage, or alternative/private lending solution, while showing you the real trade-offs: loan-to-value limits, costs, payment changes, and amortization impact.

Unlike simple “how much can I borrow?” tools, this calculator lets you:

• Compare different equity access programs side by side (conventional, insured, alternative, private, and custom lender guidelines)

• See maximum allowable LTVs and whether your request fits within policy

• Understand how rolling costs vs. paying them upfront changes the outcome

• Visualize how accessing equity affects your mortgage balance, payments, and leverage

• Test real-world scenarios before making a decision or calling a lender

This is a planning tool — designed to help homeowners, realtors, and financial professionals have smarter conversations about equity, risk, and long-term strategy.

If you want to go deeper or pressure-test your numbers against actual lender policy, I’m here to help you structure it properly.