Your Equity. Your Options.

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HELOC, Home Equity Loan or Shared Equity Agreement—which one makes sense?

The answer depends less on the product name and more on what you're trying to accomplish.

 Want ongoing access to equity?
A traditional, longer-draw or Hybrid/Fixed HELOC may be worth exploring.

 Know approximately how much you need and prefer predictable payments?
A fixed **Home Equity Loan (HELOAN)—traditionally called a second mortgage—**may fit better.

 Want access to equity without another required monthly loan payment?
A Shared Equity Agreement (SEA), Home Equity Investment (HEI), or Home Equity Agreement (HEA) may be another possibility.

There are also specialized solutions for some self-employed homeowners and homeowners age 55+.

The goal isn't to find the newest product. It's to find the structure that makes sense for you.

And sometimes the best answer is to leave your equity alone.

A home equity review can simply help you understand what may be available—before you actually need it.

For more information Click Here

 Rob Clark | Home Loan Consultant
Call/Text: 209-227-7745
 robertclarkloans.com
 rbrtclark53@gmail.com

Robert Clark NMLS #357788
Firestone Financial Group NMLS #301522
CA DRE #01148307
Equal Housing Lender

Advertising Disclosure: This material is for informational and educational purposes only and should not be construed as financial, tax or legal advice. Loan and home equity programs, underwriting guidelines, rates, terms, fees and eligibility requirements are subject to change without notice. Qualification is subject to lender or program approval. Not all applicants will qualify. Shared equity products may involve future equity-sharing obligations.