HELOC
Flexible access over time
A revolving credit line secured by your home, often used by homeowners who want flexible access to funds over time instead of receiving a lump sum.
Home equity, simplified
A Smarter Way to Explore Your Home Equity
Explore different ways homeowners access their equity — including cash-out options, credit lines, and alternative programs through our network of providers.
First question
What would you primarily use your home equity for?
Explore Common Home Equity Options
Three common ways homeowners access their home equity
zerobill helps you understand how different home equity options work before connecting you with providers. Homeowners often consider flexibility, cost, timeline, and long-term impact when exploring these options.
Home equity agreement
Cash today, different long-term tradeoff
A home equity agreement may provide cash today in exchange for a share of future home value, depending on the provider and program.
Cash-out refinance
Replace the mortgage and pull equity out
A cash-out refinance replaces your existing mortgage and allows homeowners to access part of their home's equity as cash through a new loan with a lender.
These are general descriptions. Terms, eligibility, and availability vary by provider.
How it Works
Quick start, clearer path, connect with providers.
01
Answer one quick question
Start with a simple question so we can understand your goals and help surface relevant options from our network.
02
See the path that fits best
See how different options may align with your situation before choosing to continue with a provider.
03
Continue with a provider
Move forward with a provider once you're ready to take the next step.
Take the next step
Ready to keep going?
If you choose to move forward, you'll be connected to a third-party provider to complete the next steps.