Frequently Asked
Questions we welcome.
- My mortgage rate is lower — why switch?
- Rate isn’t the deciding factor — interest type is. Simple interest on a declining balance can beat a lower rate on an amortized loan with front-loaded interest, because the balance drops faster.
- What if I need the cash?
- That’s the design — the line is where the cash lives. Deposit it in, draw it back out any time.
- What if rates go up?
- Line-of-credit rates are typically variable, and that risk is real. A faster payoff timeline means less total time exposed to rate movement, but it’s not risk-free — discussed in detail during your consultation.
- Is this complicated to run?
- Structurally simpler than a mortgage: one account, income in, expenses out, balance drops. It does require a habit change in how you bank day to day.
- What does it cost?
- We charge a 1–2 point borrower-paid origination fee. Any other costs are reviewed with you in writing before you commit to anything.
- How much can I borrow?
- Lines range from $300,000 to $30 million, based on your equity and approval.
- What states do you work in?
- We work with lending partners across the country. Tell us where your property is and we'll confirm the options available in your state.
- What can I put a line on?
- Primary homes, multifamily, commercial property, portfolios, packages of properties, businesses, stocks, and life insurance cash value.
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