EquityPilot Homeowner File
Start free. Subscribe when you're ready.
Begin with the free starting point. When you're ready, the EquityPilot Homeowner File is a simple monthly or annual subscription. Preparation and planning only. Not a loan application, lender match, or savings promise.
New to EquityPilot? Start free — no card required.
Begin with a basic equity snapshot. Educational planning only.
Start freeFree / Freemium
Start organizing your homeowner position before you borrow.
- Build your starter Homeowner File
- Explore your mortgage, equity, debt, and readiness picture
- Use planning tools to understand possible next steps
- Organize key homeowner documents and checklist items
- See what information you may need before a lender conversation
- Track your preparation progress without applying for a loan
- Learn the tradeoffs before using your home equity
Free planning and organization tools. Not a loan application, approval, qualification, or lender match.
Homeowner monthly
Turn your homeowner file into an active planning system.
- Maintain a living Homeowner File for mortgage, equity, debt, and document readiness
- Track your homeowner position month by month
- Organize documents, goals, and next-step planning in one place
- Use equity and payoff planning tools before making borrowing decisions
- Compare possible paths without being pushed toward a loan
- Get clearer preparation guidance before lender, refinance, HELOC, or renovation conversations
- Monitor readiness progress with safe file-completion signals like PilotScore
- Keep your planning, documents, and homeowner decisions connected over time
Built for preparation, planning, and organization — not approval odds or credit decisioning.
Homeowner annual
Stay organized all year and keep your homeowner strategy moving.
- Includes the full monthly Homeowner File experience
- Keep your mortgage, equity, debt, and document planning organized year-round
- Track readiness and planning progress over time
- Preserve one consistent place for homeowner decisions, documents, and next steps
- Includes the 15% immediate-start kicker as founder-approved offer copy
Annual access for homeowners who want one place to stay prepared before major equity, refinance, renovation, or payoff decisions.
$99 Documentation / DealRoom / Specialist Review
One-timeGet a focused review when you need an extra set of eyes.
- One-time documentation or DealRoom review
- Helps identify missing items, organization gaps, and next questions
- Useful before a lender, broker, contractor, or refinance conversation
- Does not guarantee approval, qualification, savings, or lender action
A separate $99 one-time fee applies only to Documentation / DealRoom / Specialist Review. It is not part of the Homeowner subscription and is not a Homeowner File one-time purchase. Broker, lender, and DealRoom fees are unchanged.
EquityPilot provides educational planning tools and scenario modeling. It is not a lender, credit repair company, or financial adviser. Results are estimates and do not guarantee outcomes. Your Homeowner File is preparation and organization — not a loan application.