lockFree to check. No credit pull.

Your home is worth more than the one option you were offered.

Nearly 40% of American homeowners now own their home outright, and 97% of the rest hold more than 10% equity in it. There are several ways to turn that into cash, and they are not equally good for you. Answer about seven questions and see which one actually fits your situation.

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Encrypted. No SSN. No bank login. No credit pull to see your options.
39.4%of American homeowners own their home free and clear
97%of mortgaged homes hold more than 10% equity
2 minAbout seven questions. Nothing to upload, nothing pulled.
A cut-paper scene of a home with its windows lit and a path of stepping stones leading from a nest of golden eggs to the front door

Built for homeowners who were only ever shown one door

Most people who look into using their home equity hear about whichever product the person in front of them gets paid to sell. Nestworth exists to show you the whole set first, including the ones that would not earn anybody a commission.

fact_check

See the whole set

A line of credit behind your mortgage, a refinance that replaces it, an agreement that takes no payment at all, the same used for a business, or a line against a commercial property. One check covers all six.

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Look without a credit pull

No Social Security number, no bank login and no credit pull to see your options. Looking costs you nothing, including your score.

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Told what it costs you

Borrowing against a home puts the home at risk, and borrowing for a business purpose gives up protections you would otherwise keep. You hear that here, not after you sign.

Already know what you need it for?

Six different ways to use what your home is worth. Pick the closest one and we will check it directly, or take the full check, which starts by asking what the money is for and routes you from there.

Cut-paper scene: a quiet house at dusk beside a nest holding three golden eggs

Home equity line of credit

A revolving line secured by the home you live in, sitting behind the mortgage you already have. Useful when you want to keep the rate you are on and borrow only what you actually draw.

See if you qualify.
Cut-paper scene: a lit house and a nest of golden eggs on the left, a shuttered shopfront waiting on the right

Using your equity for a business

The same line, taken out to start or grow something of your own. It is often the only door open when the business is too young for a business lender, and it changes your legal protections.

See if you qualify.
Cut-paper scene: a dark low-rise commercial building with an unlit lamppost and a small bird on the wall

Commercial equity line

A line secured by a commercial property you already own, rather than by your house. Underwritten on the building and who occupies it, by a different set of lenders entirely.

See if you qualify.
Cut-paper scene: the house with more windows lit and a fourth golden egg in the nest

Cash-out refinance

One new, larger mortgage that replaces the one you have, with the difference paid to you in cash. It re-prices your whole balance, so it only makes sense when the maths actually works.

See if you qualify.
Cut-paper scene: a lantern lit by the door and a path of stepping stones appearing

Mortgage refinance

Not about taking cash out. About lowering what you pay each month, shortening the term, dropping mortgage insurance or getting off an adjustable rate.

See if you qualify.
Cut-paper scene: the moon risen high over the lit house and the nest of golden eggs

Home equity agreement

Cash now with no interest and no monthly payment, settled later from what the home is worth then. No debt, but the eventual cost is not fixed. We show you that trade first.

See if you qualify.

How it works

No documents, no phone call, no appointment. The whole thing happens on this site, and you decide what happens after.

  1. 1

    Say what the money is for

    That single answer decides more than anything else you tell us, because paying off a card and funding a business reach completely different lenders and completely different rules.

    alt_routeOne question, three routes
    The story scene with a first window lit
  2. 2

    Answer about seven questions

    What the property is worth, what is still owed on it, how it is used and roughly where your credit sits. Plain multiple choice, under two minutes, nothing to upload.

    timerAbout 2 minutes
    The story scene with more windows lit and a fourth golden egg in the nest
  3. 3

    Your answers meet the lending rules

    Lenders publish what they require: how much equity, which property types, who lives there, which states they operate in. Your answers get compared against those published requirements.

    rulePublished lender rules
    The story scene with a lantern lit and a path of stepping stones appearing
  4. 4

    Choose what happens next

    Stop there if you like. Or leave your details and one licensed specialist follows up about the options that fit. Your number is never sold to a call list, and checking obligates you to nothing.

    handshakeNo obligation
    The finished story scene: the house lit, the path complete, the bird walking toward the door

The numbers, with the receipts

We do not publish made-up testimonials or invented star ratings. We publish figures you can go and check yourself, and we name where each one came from.

39.4%

Of American owner-occupied homes are owned free and clear, with no mortgage at all.

U.S. Census Bureau, 2024 American Community Survey 5-year estimates
34.4% → 39.4%

The mortgage-free share rose in every single state over the past decade.

U.S. Census Bureau, comparing 2010-2014 with 2020-2024
97%

Of outstanding first-lien mortgages have more than 10% equity in the home behind them.

FHFA, National Mortgage Database Aggregate Statistics, Q1 2023
0.2%

Of those mortgages are in negative equity, the lowest level in ten years.

FHFA, National Mortgage Database Aggregate Statistics, Q1 2023
50 million

First-lien mortgages are outstanding in the United States, carrying $11.27 trillion in balances.

FHFA, National Mortgage Database Aggregate Statistics, Q1 2023
6.75%

The bank prime loan rate, which is the number most home equity lines are priced from, plus a margin.

Federal Reserve, H.15 Selected Interest Rates, 31 August 2026

Sources: U.S. Census Bureau, 2024 American Community Survey 5-year estimates. Federal Housing Finance Agency, National Mortgage Database Aggregate Statistics. Federal Reserve Board, H.15 Selected Interest Rates. Figures describe the national market and say nothing about what any particular household will be offered. Rates, limits and terms are set by the lenders themselves and can change without notice.

Frequently asked questions

A free check that shows which ways of using your home equity actually fit your situation. You answer about seven questions and see where you stand. Nestworth is not a lender, a bank or a government agency, and it does not make credit decisions.
No. The check never asks for your Social Security number and never pulls your credit. One question asks you to estimate your credit range, and your answer stays an estimate.
A revolving line of credit secured by your home, sitting behind the mortgage you already have. You draw on it as you need it and pay interest on what you have drawn rather than on the whole limit. Because it is secured by the home, the home is at risk if you cannot repay.
Often yes, and for a young business it is sometimes the only door open, because most business lenders want to see the business trading for a while first. You should know what changes, though. Credit taken out primarily for a business purpose is exempt from the Truth in Lending Act under 12 CFR 1026.3(a)(1), so the consumer disclosures and the three-day right to cancel you would get on a personal line may not apply. The house is still the collateral either way.
A line secured by a commercial property you own rather than by your house. It is underwritten differently: the lender looks at the building, at whether your own business occupies it or tenants lease it, and at whose name the property is in. A different set of lenders writes these.
No. Nestworth is not a lender and does not make credit decisions. Completing a check is not an application, an offer of credit or a guarantee that anyone will lend to you.
Nothing. The check is free, and looking at your options never obligates you to anything.
You see which options fit your answers. If you choose to leave your details, one licensed specialist may follow up about them. Your number is not sold to a call list.

Find out what your home is worth to you.

About seven questions, under two minutes. No SSN, no bank login, no credit pull. See every way to use your equity before anyone picks one for you.

See if you qualify.arrow_forward Encrypted. No SSN. No bank login.
Cut-paper scene: the shop open and lit, with a golden egg carried across from the nest