Compare your options
Your existing mortgage, costs, and repayment plan.
Explore a HELOC.
Keep Your First Mortgage
Compare home equity options with a mortgage broker. Start with an estimate, then request a review of your home value, mortgage balance, and the amount you want.
30-second estimate
Estimated Equity Range
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potentially accessible
Two numbers, no signup.
Get a text from a broker
Follow-up by text during business hours (Mon–Fri, ET).
Estimates only - the range shows headroom at common 80–90% combined loan-to-value caps and is subject to verification, appraisal, and lender approval. Rates and line amounts are set by lenders at underwriting; nothing on this page is an offer, approval, or rate quote. See how the figures are calculated.
Personal follow-up by text
Start by text. The broker compares your options
✓A named broker - not a call center - compares HELOC, home equity loan, and cash-out options across lenders.
✓Self-employed friendly - including bank-statement income.
✓No obligation, no credit pull for the estimate or text conversation.
✓Answers in minutes - real numbers and a clear next step.
Text me about my options
Follow-up by text during business hours.
Know Your Options
HELOC vs. home equity loan vs. cash-out refinance
| HELOC | Home equity loan | Cash-out refinance | |
| Your current mortgage | Stays as is | Stays as is | Replaced by a new loan |
| How you receive funds | A line you draw as needed | One lump sum | Lump sum at closing |
| Payment style | Varies with balance drawn | Often fixed; confirm the terms | One new mortgage payment |
| Usually fits when | Costs arrive in stages | One known amount, fixed budget | You want to review the whole mortgage |
Compare the existing mortgage, total costs, repayment terms, and your budget before choosing a cash-out refinance. A licensed advisor compares all three for your numbers.
Your next step
What happens after you request a text?
A Stonehaven broker reviews your estimated home value, remaining mortgage balance, and requested amount, then texts you to discuss your goal and available options. Submitting this form is an inquiry, not a loan approval.
You do not need an exact valuation to start. Estimates are welcome, and you can enter $0 if your mortgage is paid off. Please do not send Social Security numbers, account numbers, or documents through this form.
Prefer to talk now? Call (470) 970-4979. English and Spanish assistance is available.
For homeowners
Plan your next step with home equity
Compare a line of credit, a home equity loan, and refinancing around the goal you want to fund.
Understand your equity
A worked example with visible assumptions.
Prepare for the conversation
A printable checklist without uploading documents.
Georgia homeowner questions
Local context and independent information.
Home equity guides and tools
Compare offers, payments and project stages
Contractor financing or a HELOC: compare before signing
HELOC debt consolidation: compare the full repayment plan
How to compare two HELOC offers
HELOC or fixed home equity loan: compare the payment structure
What happens to HELOC payments when the draw period ends?
Must you draw the full HELOC amount when it opens?
HELOC fees when you need the money for a short time
Self-employed and considering a HELOC: prepare the income questions
HELOC for a roof or HVAC replacement: compare the funding plan
Can you get a HELOC on a paid-off home?
Refinancing an existing HELOC: what to compare first
Renovate or move: build a complete cost worksheet
A renovation change order: update the funding plan before agreeing
Want to pay a HELOC down faster? Start with the agreement
Selling after opening a HELOC: questions before listing
HELOC valuation: questions about your home and its condition
HELOC credit checks: separate the estimate from the application
Planning a home that is easier to live in: the financing questions
Using home equity before buying another home: coordinate both loans
Condo renovation and home equity: questions before a quote becomes a plan
HELOC interest questions: records to organize for your tax adviser
HELOC or home equity contract: compare different obligations
Rental-property equity: separate HELOC and DSCR questions
HELOC for an addition or ADU: plan the financing and permissions
The 30-Second Step
Get a text from a broker
Share your estimated home value, mortgage balance, and the amount you want to borrow. A broker will text you to review your figures. No obligation or hard credit pull at this stage.
Straight Answers
Three things everyone asks
Will this reset the existing mortgage rate? No - a HELOC is a separate second lien; the current mortgage and its rate don't change.
Does checking affect credit? No - the estimate and the broker text conversation involve no credit pull.
How fast are funds available? Often a few weeks from a complete application - the broker gives a real timeline in the text conversation.
Do I need an appraisal for a HELOC? Valuation requirements vary by lender and scenario. Ask your advisor which method is required and what it costs before proceeding.
Should I choose a HELOC or a cash-out refinance? If your current mortgage rate is low, a second-lien HELOC or fixed home-equity loan usually protects it. If your current rate is high, replacing the loan with a cash-out refinance may make sense. The comparison depends on your rate, balance, and goal.
Get a text from a broker
Follow-up by text during business hours.
Dawn M. Muñoz
Co-Founder · Residential Broker · 20+ years in mortgage operations
Equal Housing Opportunity · Stonehaven Lending · NMLS #1752355
GA Residential Mortgage Licensee #19721 · MLO #169068 · AL #22874 · TN #165060 · FL #MBR3925 · NC #B-198926 · SC
Estimates only - subject to verification, appraisal, and lender approval. Stonehaven Lending is a mortgage brokerage, not a direct lender. HELOC rates are typically variable and payments may increase. Program availability varies by state. NMLS Consumer Access · Privacy
Prepare the next decision
Before committing the money, review when HELOC funds become usable, what a restricted credit line means for a project and keeping a HELOC when refinancing the first mortgage.