How I help
Four ways I help, one way of working: numbers first, both options on the table, the risk named up front.
Buying a home
First home or next one. I'll lay out your down payment options and what each costs per month and over the life of the loan, before you write an offer.
Refinancing
Lower the payment, shorten the term, or take cash out, if the math works. I'll show the break-even point and what you give up, including your current rate.
HELOCs and home equity
Borrow against your equity and leave your first mortgage alone. HELOC rates are usually variable, so I'll show what happens to the payment if rates move.
Inherited homes
Keep the existing loan, buy out a sibling, sell, or refinance. I'll run each path with real numbers and send legal and tax questions to your estate attorney and CPA.