Renovation Equity Planner

Plan how to finance your home renovation project. Compare HELOC, cash-out refinance, and renovation-specific loan options based on your equity and budget.

Fiona Bryan, Mortgage Advisor

Empire Home Loans

Phone: (310) 567-6988

Email: [email protected]

NMLS# 1812932

Company NMLS# 1839243

Empire Home Loans, Inc., NMLS ID#1839243, CA DRE# 02086593, CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional licensing information. The corporate office address is 4401 Hazel Ave., Ste. 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc. supports equal housing opportunity.

Renovation Equity Planner | HomeEquityNinja

Plan how to finance your home renovation project. Compare HELOC, cash-out refinance, and renovation-specific loan options based on your equity and budget.

Renovation Equity Planner

Your Project & Equity

Potential Financing Paths

Important Notes
Get a personalized renovation financing strategy

HomeEquityNinja is an educational resource. Personalized reviews by , NMLS .

Plan how to finance your next home improvement project. Compare HELOC, cash-out refinance, and renovation-specific options based on your equity, project scope, and preferences.

• Actual usable equity depends on program LTV limits (typically 80-85%).

• Larger projects may require renovation-specific loans or construction financing.

• HELOCs are better for phased projects; cash-out refinances work well for one-time large projects.

• Always get detailed contractor estimates and add 15-20% contingency.

This tool provides a starting framework. Your best option depends on your contractor timeline, credit, income, and project specifics.

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Enter your project and equity details to explore financing paths.

This tool is for education only. Your actual options depend on your property, equity, credit, income, goals, program guidelines, interest rates, fees, state availability, and full application review. For an accurate comparison, request a personalized Home Equity Strategy.