Tap into equity & unlock big dreams
Put equity to work in 3 simple steps
See what you can unlock
You can access up to 80–90% of your home’s value, minus what you owe.
Qualify in minutes
Answer a few questions about your home, income, and credit.
Close and get funded
Timing varies by loan type, with many receiving cash in as little as 20 days.
Compare your options
Explore equity alongside other cash options and find what fits you best.
How it works
Payment structure
Core benefit
Rate type
Rocket Mortgage®
Home equity loan 1
Home equity loan 1
How it works
A second loan alongside your current mortgage.
Payment structure
Fixed monthly payments on a lump sum.
Core benefit
Access cash while keeping your mortgage rate.
Rate type
Fixed
How it works
A new mortgage that replaces your current one.
Payment structure
Payments rolled into a new mortgage.
Core benefit
Access more cash and potentially adjust your rate.
Rate type
Fixed, often higher
How it works
A credit line secured by your home.
Payment structure
Variable payments based on how much you use.
Core benefit
Flexible access to funds over time.
Rate type
Fixed
How it works
Flexible loan that doesn’t require home equity.
Payment structure
Fixed monthly payments on a lump sum.
Core benefit
Access cash fast without using your home.
Rate type
Fixed, often higher
Rocket Mortgage®
Cash-out refi
Cash-out refi
How it works
A second loan alongside your current mortgage.
Payment structure
Fixed monthly payments on a lump sum.
Core benefit
Access cash while keeping your mortgage rate.
Rate type
Fixed
How it works
A new mortgage that replaces your current one.
Payment structure
Payments rolled into a new mortgage.
Core benefit
Access more cash and potentially adjust your rate.
Rate type
Fixed, often higher
How it works
A credit line secured by your home.
Payment structure
Variable payments based on how much you use.
Core benefit
Flexible access to funds over time.
Rate type
Fixed
How it works
Flexible loan that doesn’t require home equity.
Payment structure
Fixed monthly payments on a lump sum.
Core benefit
Access cash fast without using your home.
Rate type
Fixed, often higher
HELOC
HELOC
How it works
A second loan alongside your current mortgage.
Payment structure
Fixed monthly payments on a lump sum.
Core benefit
Access cash while keeping your mortgage rate.
Rate type
Fixed
How it works
A new mortgage that replaces your current one.
Payment structure
Payments rolled into a new mortgage.
Core benefit
Access more cash and potentially adjust your rate.
Rate type
Fixed, often higher
How it works
A credit line secured by your home.
Payment structure
Variable payments based on how much you use.
Core benefit
Flexible access to funds over time.
Rate type
Fixed
How it works
Flexible loan that doesn’t require home equity.
Payment structure
Fixed monthly payments on a lump sum.
Core benefit
Access cash fast without using your home.
Rate type
Fixed, often higher
Rocket Mortgage®
Rocket Mortgage®
Home equity loan 1
Cash-out refi
How it works
A second loan alongside your current mortgage.
A new mortgage that replaces your current one.
Payment structure
Fixed monthly payments on a lump sum.
Payments rolled into a new mortgage.
Core benefit
Access cash while keeping your mortgage rate.
Access more cash and potentially adjust your rate.
Rate type
Fixed
Fixed, often higher
Rocket Mortgage retail does not currently offer HELOCs.
Access cash to achieve new goals
Home upgrades
Fund new renovations, repairs, or projects that can add real value.
Consolidate debt
Turn high-interest balances into one simple payment and see how clients save hundreds every month.
Major life moments
Cover education costs, medical needs, or whatever matters most.
Curious? Let’s chat.
Every question you have is important, that’s why we’ll answer them 24/7.