A home equity line of credit lets you borrow against the equity in your home without replacing your current first mortgage. You draw what you need, when you need it. Payment terms vary by lender and program, so I walk you through exactly how yours works before you sign anything.

If you already have a great rate on your first mortgage, a HELOC lets you keep it and borrow on top of it. A cash out refinance replaces your whole loan. I run both side by side so you can see which one actually costs less for your situation.

With the digital HELOC programs I work with, checking your options starts with a soft credit inquiry, which does not affect your score. A hard inquiry only happens if you choose to move forward with a full application.

With digital HELOC programs, funding can happen in as little as five business days, including the three day right to cancel on a primary home. Timelines vary by lender, property and file, and I will give you a realistic timeline up front.

Yes. Some lenders offer HELOCs on second homes and investment properties. The guidelines are different from a primary residence, so we look at your property and your goals together and find the lenders that fit.

Yes. I am based in Irvine and help homeowners across California, plus the other states where I am licensed: Alabama, Arizona, California, Colorado, Delaware, Hawaii, Kansas, Kentucky, Missouri, Montana, New Mexico, Tennessee, Texas, Virginia, Washington and Wisconsin. Programs and availability vary by state.

It depends on your home value, what you owe on your current mortgage, your credit and the program. Tell me a little about your home and I will show you real numbers from multiple lenders.