Property & Loan Details
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$
%
$
$
$
%
%
No
Current Equity
$250,000
LTV
50.0%
80% Loan Cap
$400,000
95% Loan Cap
$475,000
Compare Your 3 Options
Option 1
Sell the Home
Lowest risk / simplest option
Estimated Sale Price$500,000
Selling Costs$42,500
Mortgage Payoff$250,000
Net Proceeds$207,500
Each Spouse (50/50)$103,750
Option 2
Standard Refinance
Traditional lender (80% max equity)
Max Loan (80% LTV)$400,000
Cash for Buyout$138,000
Closing Costs$12,000
Monthly PITI$3,578
PMI (monthly)$0
Income Required$107,331/yr
Recommended Strategy
Option 3
Owelty Refinance
Specialized divorce lending (up to 95% LTV)
Max Loan (95% LTV)$475,000
Cash for Buyout$210,750
Remaining Equity$25,000
Monthly PITI$4,268
PMI (monthly)$198
Income Required$128,050/yr
May allow significantly more equity access than standard refinance options.
Key Insights
Personalized recommendations based on your inputs
Best for Max Cash Out
Divorce Owelty Refinance (95% LTV)
$210,750
Best for Lowest Payment
Standard Refinance (80% LTV)
$3,578/mo
Extra Equity Unlocked
Owelty vs Standard
+$72,750
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