Homeowners Toolkit
Free guides for people who already own a home. No signup, no sales calls, and we do not collect what you enter.
Why this site is different
Many free home and mortgage websites online are lead generators. A lead generator is a website that offers a handy guide or tool mainly to collect your name, phone number, and email. That information, called a “lead,” is then sold or passed along to lenders and agents, who may call, text, and email you for days or weeks, often before you have decided anything.
This site works differently. It never asks for your name, phone number, or email, and we do not collect or store anything you enter. This site is purely informational. It is here to help you learn and plan, not to find you a lender.
To keep the site free, we show ads from third-party ad networks. As on most ad-supported sites, those networks may use cookies and collect their own data, such as your IP address and which pages you visit. Our Privacy Policy has the details.
When you are ready to talk to a lender, you choose who, and when. Ads are not endorsements, and nothing on this site is a loan offer.
About Homeowners Toolkit
Homeowners Toolkit is a free set of plain-English guides for people who already own a home, starting with how home equity loans and HELOCs work and how to decide between them.
Lenders, rates, and fees vary, so a lender can give you actual numbers for your situation.