★★★★★ Rated 4.8/5
NMLS #286633 | Broker Lic #01873353 | CA & AZ Residential | Nationwide Commercial
Licensed Real Estate Brokerage specializing in private equity, DSCR investor loans, Non-QM, HELOC, and cash-out refi. Fast approvals. 200+ lenders. CA & AZ residential — nationwide commercial.
★★★★★ Rated 4.8/5
NMLS #286633 | Broker Lic #01873353 | CA & AZ Residential | Nationwide Commercial
Whether you're consolidating debt, buying investment properties, or self-employed — we have the right product.
Homeowners sitting on equity while paying 35% on credit cards. We fix that. Use your home's equity to wipe out high-interest debt — save $500+/mo.
Qualify on rental cash flow — not W-2s or tax returns. The fastest way for real estate investors to scale a portfolio without red tape.
Self-employed, 1099, or cash-heavy borrowers who can't document income the traditional way. We qualify on deposits, not tax returns.
Keep your low first mortgage rate. Access equity without refinancing.
Revolving credit line. Pay interest only on what you draw.
Replace your entire mortgage. Best when rates are right.
Close in 7 days. Asset-based. Bad credit OK. Short-term.
Multifamily, mixed-use, office, retail. Nationwide lending.
Qualify on liquid assets, not income. Retirees & high-net-worth.
30-year fixed at a new low. Home equity rates at their cheapest since 2022. Now is the time to move.
Rates updated daily. Actual rate depends on credit score, LTV, property type, and loan amount. Contact us for a personalized quote.
We monitor lending trends, Fed policy, and real borrower conversations so you can make better decisions.
Today's Zillow data shows the 30-year fixed at 5.76% for purchases — a new low for 2026. Refinance rates sit at 5.93%. Experts say borrowers who locked in above 6.5% last year should start running refi numbers today.
Market UpdateAs of today, HELOCs are trading just under 7.25% and home equity loans below 7.5%. Compare that to the 24–35% credit card rates most CA homeowners are currently paying. The arbitrage opportunity has never been wider.
Reddit r/personalfinanceThis exact question gets asked 50+ times a month on Reddit. The math is almost always yes — but the answer depends on LTV, your first mortgage rate, and whether you have the discipline not to run the cards back up. We walk every client through this before recommending a product.
Data PointDespite recent market corrections, California homeowners average $603K+ in home equity. The typical CA homeowner could access $150–300K+ in liquid capital today — yet many still pay 30% APR on debt. Tapping even $50K at 7% vs 30% saves over $11,500 per year in interest alone.
Daniel Riceberg — 20+ years as a licensed CA/AZ broker. We work with 200+ lenders to find rates most borrowers never see.
Takes 3 minutes. No credit pull. Personalized quote from 200+ lenders.