Blended rate and HELOC calculator

Your scenario

First-mortgage balance First rate % Years left on first Cash you need HELOC rate % Cash-out refi rate % Cash-out term

Keep first + HELOC / mo—

Full cash-out refi / mo—

Blended rate—

Lower initial payment—

The HELOC payment is interest-only. It does not pay down that balance. Compare future repayment terms and closing costs before choosing.

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Your estimate comes with your inquiry. Add your contact details below.

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Illustrative estimates only. No application or credit pull to use this calculator.

A real person. A clear next step.

A number is a start. Let’s make a plan.

Bring your questions and the numbers you’re working with. Brandon will help you understand the options and decide what comes next.

Brandon MaughanUtah & Idaho · 8am–8pm MT

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No full application. No credit pull. Brandon follows up by email, or by phone if you include your number.

What do you need? City Name Email Mobile number (optional) Your question or timeline (optional)

Please leave out Social Security numbers, account numbers, and financial documents. Brandon can help you get started with a secure application when you’re ready.

Your completed estimate will be included with your request.

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Make the estimate useful

Start here. Adjust. Compare.

Enter the balance, rate, and remaining term on your first mortgage.
Choose the cash amount and example HELOC and refinance rates.
Compare initial payments and the balance-weighted rate, then review repayment terms and costs with Brandon.

A number is a start. Let’s make a plan.

Send these numbers to Brandon.

Start here. Adjust. Compare.

Another useful perspective.

Available equity