HELOC & Home Equity
Your home may be your biggest financial asset — and you don’t have to sell it to use it. Home equity financing lets you tap into the value you’ve built for renovations, debt consolidation, education, or investment, without touching your first mortgage (and its rate).
Who It’s For
- Homeowners who want cash for renovations, debt payoff, or major expenses
- Borrowers who want to keep a low first-mortgage rate intact
- Investors who need flexible access to equity
Home Equity Options I Offer
- HELOC (Home Equity Line of Credit) — a revolving credit line you draw from as needed, paying interest only on what you use
- CES / Home Equity Loan (HELoan) — a closed-end second mortgage with a lump-sum payout and fixed payments
- Fixline — lock in a fixed rate on all or part of your HELOC balance for payment stability
- Non-QM HELOC — equity lines for self-employed borrowers and investors using alternative qualification
Key Features
- Keep your existing first mortgage and its rate
- Fast closings compared to a full refinance
- Draw only what you need with a HELOC
- Potential tax benefits — consult your tax advisor
I’ll compare HELOC, HELoan, and Fixline structures side by side so you can pick the one that fits how you plan to use the funds.