Pre-Approval

Pre-qualification takes the guess work out of house hunting and refinance options. Complete a short form and your information will be reviewed by the appropriate mortgage specialist. At this point, your information will not be verified which means no credit checks or employment verification. This is an opportunity to receive a free, no obligation mortgage plan from a lending team you can trust.

Home Equity

Home equity is the difference between mortgage(s) owed on a property and the current market value. Home equity has a zero rate of return and is not liquid. Home equity management is the process of putting otherwise lazy idle dollars to work in a liquid, safe, tax favored, way to create an arbitrage. Arbitrage, simply put, is borrowing money at one rate and earning a higher rate elsewhere