By Jason Neuffer | Aug 01, 2025
Refinancing your mortgage can be a smart financial move—but before you get started, it’s important to know your options. Two of the most common types are the rate-and-term refinance and the cash-out refinance.
While both replace your existing mortgage with a new one, the goals and outcomes of each are very different. Let’s break down the key differences so you can decide which might be right for you.
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.
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.
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.
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?
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!
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.
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.
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.
By Paul Blaylock | May 17, 2023
In today's economic climate, many households are grappling with epic amounts of consumer debt, with the average exceeding 23%. Secured debts like auto loans have pushed the debt burden even further, surpassing 10%. Inflation and stagnant incomes have fueled the use of credit, causing savings to dwindle and household balance sheets to evaporate. While record levels of home equity offer some hope, property values are tapering off. In the midst of these challenges, credit scores remain intact, but borrowers must be cautious.
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