Last updated: October 15, 2026.
These terms apply to your use of HomeEquityCalc, a website operated by Numerlyn LLC, 30 N Gould St Ste N, Sheridan, WY 82801, USA. By using the site you agree to them. If you do not agree, please do not use the site.
HomeEquityCalc provides a free home equity calculator and educational articles about home equity lines of credit and related topics. It is an information tool. It is not a lender, broker, or financial, tax, or legal adviser, and nothing on it is an offer to lend, a loan application, a pre-approval, a rate quote, or a recommendation to borrow.
Results are estimates based on the numbers you enter and a simple formula described on our Methodology page. They do not reflect any lender's underwriting, your credit history, your income, other liens on the property, appraisal results, fees, or changes in the market. Actual amounts offered by a lender may be higher, lower, or unavailable. You are responsible for checking any figure with a lender and, where relevant, a qualified professional before you act on it.
You may use the site for your own personal, non-commercial purposes. Please do not misuse it: do not attempt to disrupt or overload it, probe it for vulnerabilities, copy it wholesale, or use automated tools to scrape it in a way that burdens the service. We may change, suspend, or remove any part of the site at any time.
The text, design, and code of the site belong to Numerlyn LLC unless otherwise stated. You may link to our pages and quote short passages with attribution. Please do not republish substantial portions without permission. Names of government agencies, lenders, and other organizations that appear on the site belong to their owners and are used only to identify them.
We take care to check the rules and program features we describe against primary sources, and our guides say when a figure or rule was last checked. Laws, regulations, and lender practices change, and we may not update a page the moment they do. The date shown on a page is the date it was last reviewed. If you spot something outdated, please tell us through the contact page.
The site is provided "as is" and "as available." To the fullest extent permitted by applicable law, we make no warranties of any kind, express or implied, including that the site will be uninterrupted or error-free, or that calculations or content are complete, accurate, or suitable for your situation.
To the fullest extent permitted by applicable law, Numerlyn LLC and its members, managers, and contractors are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from your reliance on the calculator or the content, including borrowing decisions made using an estimate from this site. Nothing in these terms limits any liability that cannot be limited by law.
The site links to third-party websites and may display third-party advertising once advertising is enabled. We do not control those sites or advertisers and are not responsible for their content, products, or practices. See our editorial and advertising disclosure and privacy policy.
We may update these terms from time to time; the date at the top shows the latest version, and continued use after a change means you accept the updated terms. Questions can be sent to contactnumerlyn@gmail.com.