Smart Equity Unlock Report
See how much equity you can access through a cash-out refinance or HELOC — and what it means for your monthly payment.
Property & Mortgage
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% of new loan
Equity Snapshot
Home Value
$750,000
Balance
$400,000
Equity
$350,000
Current LTV
53.3%
Unlock Capacity
Max New Loan
$600,000
Closing Costs
$12,000
Cash Available
$188,000
Monthly Impact
| Current P&I | $2,456 |
| New Refi P&I | $3,792 |
| Payment Change | +$1,336/mo |
What You Could Do With $188,000
🏠
Buy a Rental
Use as a 25% down payment on an investment property worth up to $752,000.
🔨
Renovate & Add Value
Fund a kitchen, bathroom, or ADU project that could increase your home's value beyond the cost.
💳
Eliminate High-Interest Debt
Consolidate credit cards or other debt. At 20% APR, $188,000 in debt costs $3,133/mo in interest alone.
Risk Factors
⚠
High LTV — you may need PMI or pay a higher rate above 80% LTV.
⚠
Large payment jump — your monthly payment increases by more than 50%.
Ready to Unlock Your Equity?
Get a personalized strategy session with a local expert who can help you maximize your equity position.
PropertyIQ by Apex Realty
Your Local Real Estate Expert
Smart Equity Unlock Report
Cash-Out Refinance Analysis
Equity Snapshot
Home Value
$750,000
Mortgage Balance
$400,000
Current Equity
$350,000
Current LTV
53.3%
Unlock Capacity (80% LTV Target)
Max New Loan
$600,000
Closing Costs
$12,000
Cash Available
$188,000
Monthly Payment Impact
| Current P&I | $2,456 |
| New Refi P&I (6.5% / 30yr) | $3,792 |
| Payment Change | +$1,336/mo |
What You Could Do With $188,000
Buy a Rental Property — Use as a 25% down payment on an investment property worth up to $752,000.
Renovate & Add Value — Fund improvements that increase your home's value beyond the renovation cost.
Eliminate High-Interest Debt — Consolidate credit cards or other debt to lower your effective interest rate.
Risk Factors to Consider
⚠ High LTV — you may need PMI or pay a higher rate above 80% LTV.
⚠ Large payment jump — your monthly payment increases by more than 50%.
Ready to unlock your equity? Contact us for a personalized strategy session.