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HELOC, home equity line of credit, home loan

California homeowners, get the money you need to do the things you want.

HELOC, HELOC, HELOC, home equity line of credit, home equity line of credit

Wondering where the money will come from? If You Own Real Estate In California, You May Already Have A Solution To Your Financial Concerns. 

Some people are feeling frustrated with what’s happening in today’s economy. Inflation and interest rates are higher, bills are bigger, and money is tighter.

You may be sensing the stress about not having enough money to feel secure or to do some of the things you want to do.

Or you have the money but, you don’t want to spend it right now.

There is good news for California homeowners with an income. The solution to your financial concerns may be closer to home than you know.

"Take comfort in knowing you are in the best position you can be in today. And are on the right track for tomorrow."

Imagine what it would be like if you could…

Go from being unhappy living in an outdated house. One that is no longer working or is not functional for how you live your life today. And love your home again by making some home improvements.

Stop wishing you could sell your house and move, if only you could update it. And sell your house for more money by updating first, then finally move to the place you want.

End the dread of looking at your bank account and being disappointed about not having enough money. Change from being disheartened by bigger bills and feeling hopeless about saving money. Instead, keep more money in your pocket every month by consolidating debt.

Break free from the anxiousness of not having enough emergency savings. And add more security with a bigger safety net.
 
Reduce the uncertainty about how you will pay for major expenses. Those like medical bills or education. And plan for the future.
 
Take steps to change the everyday reminders of the financial stress you are under. Instead, take comfort in knowing you are in the best position you can be in today. And are on the right track for tomorrow.
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If your home has equity, you may already have the money you need. The Key is

Your home. That’s right! Your house and the equity in it may be the solution to having the money you need to do those things you’ve been wanting to do.

And the KEY to unlock the mystery of how to access the equity is with a home equity line of credit, also known as a HELOC.

What is a HELOC? A HELOC is a form of revolving credit in which your home serves as the collateral. With a HELOC, you access your home’s equity up to a certain amount that you borrow for a period. Then you pay back the money to the asset you already own. Many homeowners use HELOCS for major expenses. From home improvements and debt consolidation to an emergency fund. Use the money for what you need.

There’s more to it. Learn more about HELOCS and how they work. Grab a copy of the HELOC brochure from the Consumer Financial Protection Bureau here.

Today’s HELOC Options Are Different From Years Past.

Now I realize what you may be thinking. Product costs are higher. Inflation is high. There are recession concerns. Is now the best time to borrow money? It will be expensive. The process takes too long. Getting a loan is a hassle.

Fortunately, HELOCS through Huntington Group offer you:

  • Flexibility – with your choice of terms, rates, and fees.
  • Efficiency and time savings – shopping done for you among many lenders and products.
  • Speed – fast approvals and closings, in as little as a week in certain cases.
  • Ease – up front pre-qualification to move your loan smoothly to closing.
So, it may seem that the best option is to do nothing during unsettling times or periods of uncertainty. Except, what is it costing you to sit and wait?
 
It’s risk free to find out your options. You only close when you are 100% happy with the loan you have selected. Plus, I offer an ongoing real estate & mortgage evaluation service. For instance, if rates go down or it’s time to sell your home and buy again. If at any time you want to improve or change your situation, a phone call to explore opportunities is all it takes.
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How To Determine Your Home’s Equity.

Step 1. Get an instant home value estimate.

Step 2. Calculate the equity. Subtract any balance owed on the property’s existing mortgage from the value.

Example: $1,000,000 home value – $500,000 mortgage balance = $500,000 home equity

Step 3: Call to discuss. The allowable amount of equity, qualifying guidelines, and program details vary by scenario.

Available for your 1-unit primary residence, second home, or investment property. Other guidelines apply.

How Have HELOCS Worked For Others?

One client recently closed their HELOC in only 8 days! Thrilled with the speed of receiving the funds in his account. He was able to start the project of building his backyard oasis for he and his family to enjoy.
 
Another client closed her HELOC in two weeks during the holidays. She’s already saving hundreds of dollars monthly.  Plus, more in interest. By consolidating some higher interest credit cards into one, lower monthly payment. She is on the right path to an even bigger goal she has set for herself later this year.
 
Having an open HELOC is a product I have recommended to homeowners for years. If only to have available as a precaution. I wouldn’t recommend something to you that I wouldn’t do myself. I have had a HELOC on every house I’ve owned. And on more than one occasion, easy and quick access to extra money has come in handy.
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Take Action Today to Better Your Situation.

Feel more confident than ever before to explore a HELOC as the solution to better your situation. 
 
By opening a HELOC, you will gain access to one of your financial assets – your home’s equity. So, if it’s needed to say, pay for a major expense or to help cover you during an emergency or time of crisis. Take comfort in knowing you will have a financial solution to help you with the money challenge. Whatever that situation may be.
 
Don’t you owe it to yourself to find out?

So, Before Rates Increase Again…

If you own a home in the Los Angeles area or anywhere in California and have an income, give me a call at (818) 839-0976. With an upfront pre-qualification you can find out if a HELOC may be right for you.

Terms and conditions of loan programs, products, and services are subject to lender or investor credit and property approval. Certain restrictions may apply. Refinancing may increase the total number of monthly payments and/or the total amount paid when compared to your current situation. This is not a loan commitment, nor is it a guarantee of any kind.