Incorporated and Licensed in Massachusetts since 1999

When it comes to Real Estate and the financing of it, very few teams have the depth and breadth to be as confident in their advice as Team GoldCoast is.

We’re more than a high performing mortgage company offering low rates and best pricing structures amongst the broker, lender, and bank communities. We own the term “Service”. We start operations on most days before 7:00AM and end only when the tasks are complete.


Trusting us to lead your home purchase means we Step-Up to partner on the completion of your real estate goals. We are also refinance specialists.


By being on our website you’ve already succeeded in finding True Service, now discover how little it costs to own it. We serve our clients, we serve them well, and are extremely proud of our independent status.


 ~ from Nantucket  to New Castle to Cape Neddick and everywhere in between ~

When is the best time to refinance my HELOC?

The best time to refinance your HELOC is now with the recent 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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