Know Your Home Equity Before the Lender Does

Free calculators, comparison tools, and plain-English guides for HELOCs, reverse mortgages, and cash-out refinances. Built by a former mortgage underwriter who read 4,000+ loan files.

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2026 Florida Home Equity Snapshot

8.25%
Prime Rate (June 2026)
8.0-10.5%
Florida HELOC Range
80%
Standard CLTV Cap
$1.25M
2026 HECM Limit

6 Free Planning Tools

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Common Questions

What is payment shock?

When your HELOC draw period ends, your interest-only payment converts to principal+interest. On a $75K balance, that can mean a 39% jump. Read more →

Should I keep my 2.75% mortgage?

Probably yes. A cash-out refinance at 6.5% costs you thousands more than a HELOC layered on top. Run the numbers →

Are reverse mortgages safe?

Federal HECMs are regulated, non-recourse, and require counseling. The loan balance can never exceed your home value. Learn about HECM →

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