One 2-minute form. Offers from lenders in your state.
Tell us about your home and what you want to do. LenderMatch matches you with participating lenders who serve your state, they reach out with their offers, and you compare and choose, or turn them all down. Free, and LenderMatch never pulls your credit.
What are you looking to do?
Pick one to start the form. It takes about 2 minutes.
Free to use. You're never obligated to take an offer.
- About how long the form takes
- 2 min
- Lenders and partner companies your request can go to
- Up to 4
- What LenderMatch costs you
- $0
- Credit pulls by LenderMatch
- 0
Run your numbers first
Twelve free calculators, no signup. Every figure is an estimate to plan with, not a quote.
All calculators- Mortgage payment calculatorWhat a home costs per month: principal, interest, property taxes, insurance and mortgage insurance.
- Refinance break-even calculatorCompare your current payment to a new one and see how many months it takes to earn back the closing costs.
- Cash-out refinance calculatorHow much cash a new loan could free up, your new payment, and how it compares with keeping your mortgage and adding a HELOC.
- HELOC and home equity calculatorHow much you could borrow against your home at 80%, 85% and 90% lending limits.
- HELOC payment calculatorYour interest-only payment while the line is open, your payment once repayment starts, and the jump between them.
- Home affordability calculatorA home price that fits your income and monthly debts, using the 28/36 rule.
- Rent vs buy calculatorWhether renting or buying costs less over the years you plan to stay, counting the costs of buying and selling.
- Blended rate calculatorKeep your low mortgage rate and add a HELOC, or take one cash-out refinance: the blended rate, payments and cost of each.
- Debt consolidation calculatorYour card and loan payments now against one HELOC or cash-out refinance, with total interest and time to pay off.
- VA cash-out refinance calculatorThe most a VA cash-out loan could free up at 100% or a 90% cap, your funding fee, and the earliest date you can refinance.
- HELOC vs home equity loan calculatorThe same amount as a variable HELOC or a fixed home equity loan: payments over time, total interest and the break-even fixed rate.
- Texas home equity calculatorThe most you could borrow under the Texas 80% limit, whether your request fits, and the 2% cap on most lender fees, in dollars.
HELOC rules in your state
Some states write home equity limits into law: how much you can borrow, how long you wait to close, what fees can cost. Pick yours for the rules in plain English and recent home prices.
HELOC rules by state- Alabama
- Arkansas
- California
- Colorado
- Delaware
- Florida
- Georgia
- Idaho
- Illinois
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Missouri
- Montana
- Nevada
- New Jersey
- New Mexico
- North Carolina
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- Tennessee
- Texas
- Utah
- Virginia
- Washington
- Wisconsin
Plain-English guides
Straight answers to the questions people ask before they borrow against a home or refinance.
All 65 guides- What is a HELOC? How it works, and what happens after year 108 min read
- How much equity can you borrow? The lender formula, worked out8 min read
- Cash-out refinance vs HELOC: which is better when your rate is low?7 min read
- How to get equity out of your home without refinancing and keep your low rate8 min read
- HELOC with a 620 credit score: lender minimums, rates and limits8 min read
- When does refinancing make sense? Break-even math for 0.5% and 1%6 min read
How LenderMatch works
One form instead of calling lender after lender.
What happens with your informationFill out one short form
Tell us what you want to do and a few details about the home and your finances. It takes about 2 minutes.
We match you with lenders in your state
Your request goes to participating lenders who serve your state. The consent on the form covers up to four lenders and partner companies, all named on our partner network page.
Lenders reach out with offers
The lenders you're matched with contact you with their offers. You don't have to chase anyone.
You compare and choose
Compare rates and fees, ask questions, and pick the offer that fits, or none of them.
- Free to use
- LenderMatch costs you nothing, whether or not you take an offer.
- No credit pull from us
- LenderMatch never pulls your credit. A lender you choose to work with may check it, with your permission.
- Stop contact anytime
- Tell any lender to stop, or email us with "Opt out" in the subject. How opting out works.
- Encrypted
- Your information is sent over an encrypted connection.
Questions people ask first
Does LenderMatch check my credit?
No. LenderMatch never pulls your credit. A lender you choose to work with may check it, with your permission.
Is LenderMatch a lender?
No. LenderMatch is not a lender, bank or mortgage broker, and it doesn't make loans or credit decisions. It matches you with participating lenders who serve your state, and you decide whether to work with any of them.
How many lenders will contact me?
A small set. The consent on the form covers up to four participating lenders and partner companies, and all of them are named on our partner network page.
Do I have to accept an offer?
No. Compare what you're offered, ask questions, and turn every offer down if none of them fits. Filling out the form doesn't commit you to anything.
How do I stop lenders from contacting me?
Tell any lender directly, or email contact@lendermatch.io with "Opt out" in the subject. LenderMatch tells the lenders your request went to that you revoked consent, and processes opt-outs within 10 business days at the latest.
See what lenders in your state could offer you.
One short form, about 2 minutes. Free, and LenderMatch never pulls your credit.
You're never obligated to take an offer.
Pick one to start the form.
- HELOCCash from your equity, keep your mortgage
- RefinanceBetter rate, or cash out
- VA cash-outCash out with a VA loan, for veterans
Buying a home? The purchase form opens soon.