Your Low Mortgage Rate May Be Worth Keeping

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Have a Low First-Mortgage Rate? You May Not Have to Give It Up to Access Equity.

If you financed or refinanced when mortgage rates were much lower, your existing first mortgage may be something worth protecting.

And accessing your home's equity doesn't necessarily require refinancing that mortgage.

Depending on your circumstances, options may include:

• A HELOC with revolving access to funds
• A HELOAN/second mortgage with a lump sum and fixed payment structure
• Alternative-documentation equity programs for certain self-employed homeowners
• A Home Equity Investment (HEI), SEA or HEA without a traditional monthly loan payment
• A Reverse Second for qualifying homeowners age 55+

Each works differently. Each has advantages and tradeoffs.

And none of them is automatically the right answer for everyone.

The goal isn't to borrow money simply because you have equity.

It's to understand what's available so that if you ever need or want to access that equity, you're making the decision with information—not under pressure.

For more information Click Here

Robert “Rob” Clark
Home Loan Consultant
Firestone Financial Group
209-227-7745
559-476-9279
rbrtclark53@gmail.com
robertclarkloans.com

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

Loan programs, terms, rates, eligibility requirements and availability are subject to change without notice. Not all applicants will qualify. Home equity products may involve closing costs, fees, variable interest rates, increasing loan balances or sharing in future home value/equity depending on the program. Your home may serve as collateral for loan-based products.