Drowning in Credit Card Debt? Here’s Why Using Your Home Equity Might Be the Smartest Way Out

By Jason Neuffer |   Jun 13, 2025

If you're a homeowner sitting on equity but carrying high-interest credit card debt, it might be time to put your biggest asset to work for you.

Rather than letting 20%+ interest rates drain your monthly budget, a cash-out refinance lets you use your home equity to wipe out that debt—and possibly save thousands in the process.

Here’s why tapping into your home equity could be the smartest financial move you make this year.

Refinancing with Self-Employment Income: What You Need to Know

By Jason Neuffer |   May 30, 2025

Being your own boss has its perks, but when it comes to refinancing your mortgage, self-employment can add a few extra hoops to jump through. The good news? It’s absolutely doable—you just need to know what lenders are looking for and how to present your income clearly.

Whether you're a freelancer, contractor, small business owner, or gig worker, this guide will walk you through what to expect when refinancing your home with self-employed income.

Sitting on Debt? Why Waiting to Refinance Could Cost You

By Jason Neuffer |   May 16, 2025

If you’re juggling high-interest debt, like credit cards, personal loans, or medical bills, and you also own a home, waiting to refinance could be costing you hundreds or even thousands of dollars a month.

HELOC vs. Cash-Out Refinance: Which One Is Right for You?

By Jason Neuffer |   Apr 16, 2025

Your home is more than just a place to live—it’s also a powerful financial asset. If you need to tap into your home’s equity, two popular options are a Home Equity Line of Credit (HELOC) and a Cash-Out Refinance. But which one is the best choice for you?

Refinancing Myths: What Homeowners Get Wrong

By Jason Neuffer |   Apr 09, 2025

Refinancing your mortgage can be a smart financial move, but misconceptions often keep homeowners from taking advantage of lower rates and better loan terms. Let’s debunk some common myths so you can make an informed decision!

The Benefits of a VA Loan for Military Service Members and Veterans

By Jason Neuffer |   Mar 14, 2025

For military service members, veterans, and eligible surviving spouses, the VA loan program is one of the most powerful home financing options available. Backed by the U.S. Department of Veterans Affairs, VA loans offer significant benefits that make homeownership more accessible and affordable. Here’s why a VA loan might be the best option for military families and veterans.

How to Tap Into Your Home Equity Without Selling

By Jason Neuffer |   Feb 28, 2025

Your home is more than just a place to live—it’s also a valuable financial asset. If you've built up equity in your home, you might be wondering how to access that money without selling. Fortunately, there are several ways to tap into your home equity while still keeping your home. Let’s explore your options.

What to Do If Your Mortgage Interest Rate Is About to Go Up Due to a Temporary Buydown

By Jason Neuffer |   Feb 05, 2025

If you secured a mortgage with a temporary buydown, you may have enjoyed a lower interest rate for the first few years of your loan. However, it's important to be prepared for the point when your rate increases to its full amount. Here’s how to determine if your mortgage interest rate is about to go up and what you can do to manage the transition.

Closing Costs: What to Expect

By Jason Neuffer |   Jan 24, 2025

Buying a home is an exciting milestone, but it comes with several financial considerations, including closing costs. Understanding what these costs entail can help you prepare and avoid any last-minute surprises. Here's a breakdown of what to expect regarding closing costs.

How to Review a Loan Estimate

By Jason Neuffer |   Dec 10, 2024

If you’re in the process of buying a home or refinancing your mortgage, one of the most important documents you’ll encounter is the Loan Estimate. This document, provided by your lender, gives you a detailed breakdown of the costs and terms associated with your loan. Knowing how to review it can save you money and help you make a confident decision. Here’s what you need to know. Please note the loan estimate images used in this post are just an example and should not be used to estimate costs or quote a rate. Please click here to complete an application if you would like a loan estimate.