EQUITY LOANS

Put Your Homes Value to Work

Home values build quietly in the background—price appreciation, steady principal pay-down, a few renovations along the way. When it’s time to tap that stored value, I offer three streamlined paths, each matched to a different goal and comfort level.

Home-Equity Line of Credit (HELOC)
A revolving credit line tied to your available equity. Draw only what you need during a 5- to 10-year access period—often interest-only—then repay principal over the remaining term. Perfect for phased remodels, pay-as-you-go tuition, or a low-cost safety buffer that beats credit-card rates.

Fixed-Rate Home-Equity Loan
A one-time lump sum at a locked rate and set monthly payment. Ideal when you have a single, defined expense—think major renovation, debt consolidation, or seed capital for a new venture—and want absolute payment certainty.

Cash-Out Refinance
Replace your current first mortgage with a new one and receive cash at closing. Best when today’s rate is close to or below what you already have, or when you’d rather make one payment instead of two. Conventional guidelines allow cash-out to 80 percent of your home’s value; specialized programs can go higher.

I’ll lay out these options side by side—showing rate, payment structure, total cost, and funding timeline—so you can choose the smartest way to leverage your equity. From kitchen overhauls and debt payoff to college funding or portfolio growth, I’ll handle the numbers and guide your file smoothly through underwriting while you focus on what the cash will accomplish.

Now let’s make your equity work just as hard as you do.