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House.ai is a real estate brokerage that works with consumers on finding the best properties to meet their needs and receive the best home-buying and home-selling education.

House.ai currently serves buyers and sellers in Texas, Florida, California, and Arizona. More states are on the way.

Real estate brokerage licenses are held by HOUSE.AI LLC (Texas, Florida), House.AI, Inc. (California), and House.AI Arizona (Arizona) — see our real estate licenses. California DRE #02447419. Home financing is offered through GMCC (General Mortgage Capital Corporation). Equal Housing Lender.

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Your home today

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The two ways to borrow

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$100,000
$10,000$100,000$200,000$260,000

You can borrow up to $262,000 — borrowing $100,000 costs about $708/mo with a HELOC.

Total equity $402,000 · lender cap keeps 20% untouched · HELOC $708/mo vs cash-out $1,049/mo — the cash-out reprices your whole loan, which is why it starts higher.

Max you can borrow
$262,000
HELOC
$708/mo
Cash-out refi
$1,049/mo

Added monthly cost, by amount borrowed

HELOC (interest-only)Cash-out refi (vs today’s payment)

Side by side

HELOCCash-out refi
Added monthly cost for $100,000$708/mo$1,049/mo
Rate8.50% variable7.15% fixed
Your current mortgageUntouchedReplaced entirely
Upfront costsLow / often none~3% of the new loan
Best whenRates are high & you may repay earlyRefi rate ≤ your current rate
HELOC cost shown is the interest-only draw-period payment at a variable rate — it can rise, and principal comes due later. A cash-out refinance replaces your entire loan at today’s rate: if your current rate is lower, you pay that spread on every borrowed dollar. Either way your home is the collateral. Estimates only — not financial advice.

Borrowing against equity is spending your future sale. Worth it for the right reason — just know the monthly cost before you commit.

See my equity in Portfolio →