Module 13 · HELOC & Multi-Product Loan Finder
Every product, priced against one borrower, in one keystroke
Calculate equity availability instantly, then let the matching engine cross-reference Conventional, FHA, VA, Jumbo, HELOC and fixed second liens to surface the optimal program — with the reasoning shown, not hidden.
Available equity
$313,000
43% of value
Current LTV
56.8%
Max CLTV 85%
Modeled HELOC line
$204,250
Interest-only draw
Fixed 2nd lien max
$204,250
20-yr amortizing
Borrower scenario
Pulled from the 1003 — edits reprice everything live
Optimize for
Home Equity Loan — Fixed 2nd Lien
8.875% · $85,000 · 20-yr · 12% LTV · DTI 31%
$758
estimated monthly
- Fixed rate and fixed payment — no draw-period rate risk
- First mortgage stays in place at its current rate
- Best match on your selected objective: $1,250 closing costs and up to $204,250 accessible cash.
HELOC & Home Equity Agent
Reads the scenario above — no re-entry — and writes the equity recommendation to the audit ledger
Sign in to dispatch the live equity agent. The calculators below run instantly either way.
Side-by-side program comparison matrix
Every product scored against the same borrower — with the reason it won or was ruled out
| Program | Rate | Loan amt | Monthly | Closing cost | Max cash-out | Match |
|---|---|---|---|---|---|---|
Home Equity Loan — Fixed 2nd Lien Fixed rate and fixed payment — no draw-period rate risk | 8.875% | $85,000 | $758 | $1,250 | $204,250 | 100% fit |
HELOC — Interest-Only Draw Keeps your existing low first-mortgage rate untouched | 8.375% | $85,000 | $1,048 | $495 | $204,250 | 74% fit |
Conventional 30-Yr Cash-Out Refi No upfront or monthly MI at 80% LTV or below | 6.500% | $497,000 | $3,141 | $12,384 | $168,000 | 28% fit |
FHA 30-Yr Cash-Out Refi Credit-flexible down to 580 FICO | 6.250% | $497,000 | $3,288incl. $228 MI | $22,873 | $168,000 | 25% fit |
VA 30-Yr Cash-Out (IRRRL eligible) No VA entitlement on file | 6.115% | $497,000 | $3,017 | $26,547 | $240,500 | Ineligible |
Jumbo 30-Yr Portfolio Loan fits conforming — jumbo pricing unnecessary | 6.775% | $497,000 | $3,232 | $12,340 | $131,750 | Ineligible |
Illustrative pricing for scenario modeling. Final rate, APR, MI and fees are set by the investor rate sheet and disclosed on the Loan Estimate.