Check Your Equity — EquityRail

See what your home could lend you.

Three quick steps to an instant estimate and illustrative offers from funding institutions. Soft credit pull only — your score is never affected.

Interactive patent demonstration: this flow illustrates how the patent-pending system would operate — it is not a live banking platform, and offers shown are illustrative.

1 · Property

2 · About You

3 · Review

4 · Your Offers

Tell us about your home.

We'll pair this with live market valuation data to estimate what your home is worth today.

Property address

Your estimate of the home's value

A rough number is fine — the network's valuation feed refines it.

Remaining mortgage balance (and any other liens)

A little about you.

Funding banks use your credit profile to price your rate. Pick the range that fits — we'll verify with a soft pull.

Full name

Email address

Where your offers and next steps are sent. Never sold or shared beyond your selected funding bank.

Phone (optional)

Credit score range

Annual household income

Used by funding banks for debt-to-income review. Never shared beyond the network.

What will you use the funds for?

Review and authorize.

Confirm your details, then authorize a soft credit check so funding banks can price your offers.

Applicant — Email — Property — Estimated value — Mortgage & liens — Credit range —

Your estimated equity access.

Based on your home's value, your existing liens, and an 80% network LTV ceiling.

Estimated available credit line

$240,000

(Value × 80%) − liens · recalculates with live market data once your line opens

Illustrative offers from participating funding banks. Final rates, limits, and terms are set by the lending institution after full underwriting, property valuation, and verification. Selecting an offer starts that bank's application — EquityRail provides the platform and does not make credit decisions.

Preview the borrower experience