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Eligibility and availability vary by program and borrower. All loans are subject to approval.
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Free monthly report · No obligation
Are you curious about your home's current value, interested in refinancing options, or exploring how much you could afford for your next home purchase? The Loan Factory IQ Report provides you with personalized monthly insights to help you make informed financial decisions.
Illustration only. Your report is based on your own information.
The Loan Factory IQ Report is a comprehensive, personalized snapshot of your home's financial standing. It combines real-time data and advanced analytics to deliver insights tailored to your unique situation.
Understand how much equity you've built in your home since purchase.
Explore potential refinancing options and how they could impact your monthly payments and long-term costs.
Discover how much you could qualify for when purchasing your next home, including estimated loan amounts and monthly payments.
Your report turns your home's numbers into clear visuals. Illustrations below show the kinds of views included, without real figures.
See your estimated home value, your loan balance, and how much equity you have built.
See where your monthly payment goes, how much is principal and how much is interest, and your payoff timeline.
See how much equity you may be able to access through a cash-out refinance or a home equity line of credit.
Based on your specific information, the Loan Factory IQ Report provides:
Get an up-to-date estimate of your home's current market value.
See how much equity you've accumulated and how it compares to your original purchase price.
Evaluate different refinancing options, including potential savings and changes in loan terms.
Determine your purchasing power for a new home, considering income, debts, and down payment.
Go to your personal report page and sign up.
Ensure all details are accurate to receive the most precise analysis.
Access your comprehensive report instantly, then watch for your monthly updates.
No need to check rates every day. Here is how it works.
After you sign up, we monitor the market against your current loan.
If rates move in your favor, you may get an alert by text or email so you don't have to watch the market yourself.
Talk through whether a refinance makes sense for you. A lower rate may lower your payment or shorten your term, but refinancing has costs and savings are not guaranteed.
Illustrations only. Alerts depend on market conditions and your information. All loans subject to approval.
Receive a detailed report at no charge.
Use the insights to guide your financial planning, whether you're considering refinancing or moving.
If you choose to refinance, eligible loans may qualify for our Best Price Guarantee. Terms apply.
An online second-lien HELOC that keeps your current first mortgage in place. Can close in as little as 5 days, subject to approval.
A first-lien HELOC for a purchase or refinance, subject to approval.
Change your rate, term, or both, or take cash out, subject to approval.
Run payment, buying power, and other scenarios.
It is the Loan Factory IQ Report: a free, personalized monthly snapshot of your home's estimated value, your equity, refinance scenarios, and your purchasing power for a next home.
No. You receive a detailed report at no charge and with no obligation.
The report provides personalized monthly insights, so you can track changes in your home's estimated value and equity over time.
No. It is an estimate of your home's current market value. A lender may require an appraisal if you apply for a loan.
Options include a HELOC, which is a second lien that keeps your current first mortgage, a first-lien Wealth Builder HELOC for a purchase or refinance, or a cash-out refinance. All loans are subject to approval.
Select Get my report, review your information so the analysis is accurate, and access your report.
Send a note and a licensed loan officer will follow up. Prefer to move now?
The AI assistant helps collect your application information and navigate product criteria. Formal underwriting review, rate locks, and credit approvals are conducted by licensed mortgage professionals.