Roughly 18 million households are in the same spot: a mortgage rate you'll never see again, and six figures of equity you can't reach without losing that rate or giving up the home. Equity Flow™ is a way to reach it. Monthly cash flow from what you already built, on your schedule, at your size, settled when you sell or any day sooner you choose.
A monthly deposit from your own equity, not a credit line you pay back every month. Nothing is billed while you're in it: interest accrues at a fixed rate and is settled when you sell, or any day sooner you choose. The deposits aren't taxable income, because it's a loan. No paystubs, no refinance, no giving up your rate. Run your numbers and see if this makes sense for you.
In beta and free to explore. Already a member? Log in
The 2022 rate shock created roughly 18 million locked-in, equity-rich households, and the rated instrument that could serve them is fenced at age 55 and up. Equity Flow™ removes the birthday requirement. Getting the structure right took four product generations, 25 adversarial reviews, and three versions that failed diligence first.
Read the story →No account needed. Each tool runs on your real numbers, so you can see your rate, your equity, and your options before you look at Equity Flow™.
See how your adjustable rate could reset and what it means for your monthly payment. Run the scenarios and see how the common strategies compare before your next adjustment.
Analyze your ARM →Find out if your locked rate is an asset or a liability. Calculate your Payment Shield Value and learn your options.
Calculate your value →Compare HELOCs, home equity loans, cash-out refis, and Equity Flow™ side by side. See the true cost of each, and which ones protect your rate lock.
Compare your options →