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Credit Line

Line of Credit

Use this calculator to determine how big a line of credit you may qualify to receive. The line of credit is based on a percentage of the value of your home. The more your home is worth, the larger the line of credit. Of course, the final line of credit you receive will take into account any outstanding mortgages you might have. This includes first mortgages, second mortgages, and any other debt you have secured by your home.

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Definitions

Appraised value of your home: This is current appraised value of your home. If it has been a few years since you purchased your home, it may be worth quite a bit more than your original purchase price.
Mortgages you owe: This is the total of all outstanding mortgages on your home. This should include your first mortgage, second mortgages and any other debt that is secured by your home.
Loan to value ratio: The loan to value ratio is the percent of your home's appraised value that your lender will allow. For example, a 80% loan to value ratio would allow you to have $80,000 in debt secured by a home appraised at $100,000. Remember - the total debt allowed includes all outstanding mortgages plus your new line of credit.

[Amortizing Loan Calculator] [Alternative Payment Frequencies]
[Debt Consolidation Calculator] [Credit Line] [Loan & Line Payment]
[Loan Comparison Calculator] [Enhanced Loan Calculator] [Loan & Credit Line Tax Savings]
[Line of Credit Payoff] [Existing Loan Calculator]
[Loan Calculators] [Financial Calculators]

Mutual funds are subject to market risk and possible loss of principal. This and other important information is contained in the prospectus, which can be obtained from a registered representative and should be read carefully before you invest or pay money. Investors should consider the investment objectives, risks, charges and expenses carefully before investing.

EquiTrust Mutual Funds are available in the following states: Arizona, Colorado, Idaho, Indiana, Iowa, Kansas, Minnesota, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, Utah, Wisconsin and Wyoming. All of our companies are United States companies, servicing United States residents; however, all of our mutual funds are not available in every state. The information provided on this website does not apply to nor are the mutual funds available to residents of the following states: Alabama, Alaska, Arkansas, California, Connecticut, Delaware, Georgia, Hawaii, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia, and the District of Columbia.

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Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.