How much cash could you access from your home?
Get a quick estimate in seconds. Then use our free calculators to compare a cash-out refinance or see how rolling high-interest debt into your mortgage could change your monthly budget.
Quick equity estimate
Example numbers shown. Estimate only, before closing costs. Not a loan offer.
Run your numbers before you talk to anyone
Both tools use standard loan math and the numbers you enter. Rates shown are examples. Use a rate you've been quoted for the most accurate result.
Your home
New loan
With the amount you picked
P&I = principal and interest. Taxes, insurance and HOA dues are not included.
Get my cash-out optionsCurrent mortgage
Other debts to consolidate
| Debt | Balance | Rate % | Monthly payment |
|---|---|---|---|
New combined loan
From estimate to real options
Run the numbers
Use the calculators to see what a cash-out refinance or debt consolidation could look like with your own figures.
Tell us your goal
Share a few details through the form. It takes about a minute and doesn't affect your credit.
Hear from a licensed professional
With your permission, a licensed lender or loan officer may contact you to review actual rates and terms.
Clear numbers first. Then a conversation.
Flagstone Digital helps homeowners understand what their home equity can do before they ever talk to a lender. Most people start the process without knowing how much they could borrow, what it would cost each month, or whether consolidating debt would actually save them money.
We built free, straightforward tools to answer those questions with your own numbers. When you're ready, we help connect you with licensed mortgage professionals who can give you real quotes.
We are not a lender and we don't make loans. We focus on making the first step easier and more transparent.
Your numbers, not a sales pitch
The calculators show the math in full, including when a refinance would cost more over time.
You control who contacts you
We only share your details with your consent, and you can opt out at any time.
Built for homeowners
Whether it's a renovation, paying off high-interest cards, or building a cushion, we help you see the trade-offs.
Common questions
What is a cash-out refinance?
You replace your current mortgage with a new, larger loan and receive the difference in cash. Most conventional lenders cap the new loan at about 80% of your home's value, so you keep at least 20% equity.
What does "debt consolidation" mean here?
It means rolling higher-interest debts, like credit cards or personal loans, into a new mortgage so you have one payment. This can lower your monthly payment, but stretching short-term debt over 30 years can increase the total interest you pay. The calculator shows both numbers.
Will using the calculators affect my credit?
No. The calculators run in your browser and don't pull credit. A lender would only check your credit if you choose to apply.
How accurate are the estimates?
They're based on standard loan formulas and the numbers you enter. Your actual rate, closing costs and eligibility depend on your credit, income, property and the lender. Treat results as a starting point.
Are you a lender?
No. Flagstone Digital does not make loans or credit decisions. With your permission, we may connect you with licensed lenders or loan officers who can offer you actual terms.
See your real options
Tell us a little about your home and your goal. There's no cost and no obligation.