Calculator
Blended Rate Calculator
Calculate the effective blended rate and combined payment across a first and second mortgage.
1st lien
2nd lien
3.969%
effective blended rate
Useful for deciding between a cash-out refi of a low-rate first vs. a fixed-rate second lien or HELOC on top.
Your numbers, but real
The calculator uses an assumed rate. Your scenario has a real one.
A 15-minute call gets you 2–3 live quotes from a panel of wholesale lenders — matched to your credit, property, and timeline. No hard pull, no obligation.
Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify. This is not a commitment to lend; all loans are subject to credit approval, income and asset verification, and property appraisal.