The "Golden Handcuff" Solver
You have a 3% rate but need cash. Should you refinance the whole loan, or layer a HELOC on top? Let's calculate your true "Blended Rate."
Understanding Your Leverage
Most homeowners feel trapped by their low interest rate. The Blended Rate strategy unlocks your equity without sacrificing your primary mortgage.
The Blended Rate
This is the weighted average of your large, low-rate primary mortgage and your smaller, higher-rate HELOC. Often, the result is much lower than current market rates.
HELOC Strategy
A Home Equity Line of Credit (HELOC) lets you borrow only what you need. You keep your 3% rate on the bulk of your debt, and only pay ~9% on the cash you take out.
The Break-Even
Sometimes a full Cash-Out Refinance IS better. This calculator finds the exact interest rate where it makes sense to let go of your old loan and refinance everything.
Access your equity today.
Whether it's a HELOC, a Fixed Second, or a strategic Cash-Out Refi, I can help you structure the debt correctly.