YS Capital Group Investor Suite/Equity Compare
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Equity strategy

Keep & add, or cash-out refinance?

The tool serious investors say YES to.

Compare keeping your low-rate first mortgage and layering a HELOC or second against replacing everything with a single cash-out refinance — monthly payment, blended rate, and the difference, side by side.

Second vs. refi No credit pull Estimates only
Fill the input fields — every result updates automatically.

A First mortgage

Keep in place
$
%

The low-rate loan you keep in the “keep & add” scenario.

B Second / HELOC

New junior lien
Second loan — fully amortized (leave blank if using HELOC below)
$
%
Interest-only loan / HELOC (optional)
$
%

C Cash-out refinance

Replaces first

A single new loan that replaces everything above.

$
%
First mortgage / mo
$2,528
Second loan / mo
$841
HELOC (interest-only) / mo
$0

Closed-end home equity, HELOC and cash-out refi — we do all three.

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Monthly cost is only one factor — a cash-out refi resets your first mortgage rate on the whole balance, while a second lien leaves a low first-mortgage rate untouched.
Interest-only payments are lower but don't reduce principal. Weigh payoff goals and how long you'll hold.