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Tell us your goal
A few questions about your plans and property help organize the next conversation. Estimates are fine.
A clearer path to home financing
Your home.
Your goals.
Your next step.
Buying, refinancing, or exploring home equity? Answer a few questions and leave your phone and email. A mortgage professional will follow up to discuss your options.
LET’S START WITH YOU 01 / YOUR GOAL
Explore your next step
Enable JavaScript to use the questionnaire. You can still read our guides below.
A lender may request a credit check if you proceed. Ask whether it is a soft or hard inquiry before authorizing it.
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Understand the possibilitiesPlain-language guidance for your goal.
02
Keep your information yoursExplore the tools without a name or email.
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Choose a human conversationLeave your details to request a call.
Less guesswork. More direction.
A big decision.
A simpler place to start.
You don’t need every answer today. Start with what you know, and take it one step at a time.
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Choose when to talk
Add your name, phone, email, and preferred call window so a mortgage professional can reach you.
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Talk through your options
Look out for a follow-up call about your request. Discuss your goal, ask questions, and decide on the next step.
Free tools · no email required
A little math.
A lot more clarity.
Explore a few scenarios without entering your name, phone number, or email. These are illustrations, not loan offers.
Home equity calculator
Lenders limit how much of your home's value can be borrowed against, expressed as combined loan-to-value. The three bands above are hypothetical limits. Which one applies to you — if any — depends on the lender, your credit, your income, and an appraisal. These figures are illustrative and are not an offer, approval, or commitment to lend.
Debt payoff comparison
The comparison assumes fixed rates, no new borrowing, and regular payments. It excludes fees and closing costs. Securing debt against your home introduces foreclosure risk; a lower monthly payment can still mean a higher total cost.
FHA mortgage insurance estimate
This is a simplified estimate; your servicer’s calculation may differ. For FHA case numbers assigned on or after June 3, 2013, annual MIP generally lasts 11 years at an original LTV of 90% or less, and the loan term above 90%. Conventional refinancing can have its own mortgage insurance. Compare total costs, not just MIP. Source: HUD.
The learning center
Good questions.
Useful answers.
Straightforward guides to help you understand the tradeoffs before deciding what’s right for you.
HOME EQUITY
HELOC or home equity loan?
Two ways to borrow against equity. Different ways to receive and repay the money.
Read the guideREFINANCING
Look beyond the new rate.
What to compare before replacing a mortgage, from closing costs to your timeline.
Read the guideBUYING A HOME
Before the house hunt.
Understand preapproval and prepare for a productive conversation with a lender.
Read the guideA few things to know
Clarity comes
first.
Questions before taking the next step? Start here.
More about Home Loan Matters ↗Is the service free to use?
Yes. There is no charge to use the guides, calculators, or connection request. A mortgage itself can have lender fees and closing costs, which a lender will explain separately.
Will this affect my credit score?
A lender may request a credit check if you proceed with a loan inquiry or application. Ask whether it is a soft or hard inquiry before authorizing it. Submitting this contact form does not authorize a credit check.
Who receives my contact information?
Home Loan Matters receives your request and shares it with a mortgage professional serving your state for follow-up. Your phone, email, quiz answers, and preferred call window help them prepare for the conversation.
Does the quiz tell me whether I qualify?
No. It organizes your goals and provides illustrations from your inputs. Eligibility depends on a lender’s review, including credit, income, debts, the property, and the loan program.
Is estimated equity the same as cash I can borrow?
No. Equity is estimated home value minus mortgage balances. Borrowing limits, existing credit lines, fees, an appraisal, and lender requirements can reduce the amount available—or mean that no loan is available.
Are you a lender?
No. Home Loan Matters provides education and introductions. Participating mortgage professionals handle any application, pricing, underwriting, and loan decisions.