What your home can do
Four common moves
Rate and term refinance
Change your rate or your loan term. Even a small change can add up over the life of a loan.
Cash-out refinance
Turn some of your equity into cash for renovations, high-interest debt or investing.
Home equity line
A revolving line of credit against your equity. You pay interest only on what you use.
Debt consolidation
Replace several high-interest payments with one, and simplify your month.
Is it time to look?
Signs it may be worth running the numbers
- Today's rates are lower than your current rate
- You want to go from a 30-year to a 15-year loan
- You need cash for improvements or a big expense
- You want to remove mortgage insurance
- You want to consolidate high-interest debt
Self-employed homeowners
Your equity should not be out of reach
If your tax returns do not show what you really earn, bank statement programs may use 12 or 24 months of deposits instead, for both refinances and cash-out.
Self-employed income calculatorOwn an investment property?
A 1031 exchange can help you trade up
Upgrade to a higher-value property, diversify across markets or consolidate several properties, while deferring capital gains taxes. The 45-day and 180-day deadlines are strict.
Come home.
There is a seat at the table for you. Join the Village and we will send you the next gathering, the newest classes, and a note from me when something good is happening.