"Making home ownership better, easier, and more affordable since 1999"






OUR MISSION is to make certain that you succeed at your real estate goals. To do so we need to learn your objectives. We genuinely enjoy learning about your goals and seeing if we can help. We won’t chase, sell, or obligate you. Ever.  If your goals lead you to another mortgage lender or bank we will support the decision to pursue that path.                           

Some of the goals our clients pursue are:


Obtaining a low interest rate – our broker platform allows you access to the financial marketplace instead of you needing to use time shopping different lenders and banks, all posting credit inquires, asking for fees and begging for your business.


Closing on Time – the financial penalties for missing a deadline can be severe. Choose your team wisely. The nimbleness and accountability of members of a hand selected staff can run circles under the legs of corporate giants.


Warning you of blind spots – Consumers can be sitting ducks to alligators in the water. We could write a book on errors we’ve seen. It’s not that we don’t mind sharing our guidance; we enjoy doing it. We’ve become a magnetic for employees with a generous heart. For our staff to help you circumvent a fail is their ultimate victory.


Prior mistakes and observations become intellectual property that you can benefit from. Most cases we can provide intel on your prospective town, neighborhood, and sometimes even street or condo project.


Trusting their Service Provider – People declare themselves over decades. We encourage you to Google us individually and corporately. In fact, Google any person who is going to potentially effect your quality of life. When you engage communication if you are feeling pressure (any) that’s a hint you may be misaligned.

 



When is the best time to refinance my HELOC?


The consideration to refinancing your Home Equity Line of Credit should be made periodically, especially in lieu of recent rate increases and the effect of 2018 tax cuts to the home equity line interest deduction. 


Home Equity Lines of Credit often offer "Sale" rates – basically a low-rate that increases after year one. That low rate year encourages you to stack balances onto the HELOC that will take many years, perhaps decades to pay off. 


A common misconception is that you can jump from a HELOC to a fixed rate mortgage before mortgage rates increase.  Prediction of that dispatch date is difficult. The misconception arises from the fact that rates of a Fixed mortgages and HELOC’s are driven by different forces.


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