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What's the best way to get cash from your home?

A HELOC, a home equity loan, a cash-out refinance, a home equity investment, or a reverse mortgage. See what each would cost you, and your odds of approval based on 2,298,512 HELOC and home equity loan decisions in 2025 federal data. Free, and nothing is saved.

Rates updated October 1, 2026

Your situation

Fills in a typical home value and checks which providers serve your state.
All monthly debt payments, including your mortgage, divided by your gross monthly income.

Your options, best first

For $100,000 over 7 years, your lowest-cost option with reasonable odds is a HELOC at about 7.1% a year.

Your mortgage plus the cash would be 53% of your home's value.

HELOC

Good odds · 84% approved
7.1%a year
$593a month, interest only while you draw; payments rise later
$49,840cost over 7 years
  • Variable rate, about prime + 0.12% for your loan-to-value, based on 2025 HELOCs.
  • 16% of applicants with your debt-to-income and loan-to-value were denied in 2025.

Learn more

Home equity loan

Good odds · 83% approved
8.8%a year
$1,003a month, fixed, if repaid over 15 years
$53,177cost over 7 years
  • Fixed rate, about 8.81% for your loan-to-value, based on 2025 loans and today's mortgage rates.
  • 17% of applicants with your debt-to-income and loan-to-value were denied in 2025.

Learn more

Home equity investment

Fits 6 of 6 providers
13.7%a year
$0a month, no monthly payment
$139,605cost over 7 years
  • Cheapest that fits: CHEIFS, repaying about $235,115 after 7 years at 4% yearly home growth.
  • Cost depends on your home's growth; there's no income check at some providers. Enter your ZIP to check which providers serve your state.

Compare all six providers

Cash-out refinance

Enter your current mortgage rate to compare this fairly. A cash-out refinance re-prices your whole mortgage, not just the cash, so if your current rate is below today's 7.28%, the true cost of the cash can be far higher than the rate.

Learn more

Reverse mortgage

Requires age 62 or older.

Learn more

Estimates, not offers. Costs exclude closing costs, which vary by lender. "Approved" is the share of applicants like you who were approved in 2025, from federal HMDA data.

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Send us your situation. Kevin, Jason, or Mike will look it over and reply by email. It's free, and your results above are attached automatically.

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How this works

Frequently asked questions

What is the cheapest way to get cash from my home?

Usually a HELOC or home equity loan, if you qualify: in our default example a HELOC costs about 7.1% a year. A cash-out refinance can cost far more than its rate if it replaces a low-rate mortgage, and a home equity investment usually costs more but has no monthly payment and no income test at some providers.

What if I was denied a HELOC?

Change your debt-to-income or credit above to see your odds for each option. If debt-to-income is the problem, a home equity investment has no monthly payment to qualify for. More for HELOC rejections.

Is my information saved?

No. Everything runs in your browser. Nothing is sent unless you choose to send the review form.