Fixed-Rate HELOC

---

Want Flexibility — But Also Payment Stability?

A Fixed-Rate HELOC may offer the best of both worlds.

You keep your low first mortgage rate, access equity when needed, and in many cases lock portions of your balance into fixed payment segments for added predictability.

This may make sense if you:

• Want renovation funds
• Are consolidating higher-interest debt
• Prefer structured payments
• Still want flexibility over time

Across Fresno, Visalia, Bakersfield, Modesto, and surrounding Central Valley communities, many homeowners are exploring equity options instead of refinancing their 2–3% mortgages.

Every scenario looks different. That’s why I compare options — refinance vs HELOC vs fixed second — so you can make an informed decision.

Let’s review your strategy.

Rob Clark
Home Loan Consultant
Firestone Financial Group

For more information Click Here

 209-227-7745
 559-476-9279
 rbrtclark53@gmail.com
 www.robertclarkloans.com

NMLS #357788
CA DRE #01148307
Equal Housing Lender