Long-time California owners hold a great deal of equity, and Susan measures whether moving it is worth the cost. Every enquiry gets the same written break-even: closing costs, the new payment, the month the savings overtake the costs, and the honest answer when that month never arrives.
She spent her earlier career in bank credit before moving to origination, so an equity recommendation accounts for the rate environment, the tax angle and the borrower's actual five-year plan.
She talks people out of refinancing as readily as into it, and she still answers her own phone.
In their words
Equity is retirement money wearing a house costume. Price it before you move it.
Susan Whitfield, Loan Officer | Refinance & Equity
↑↓ move↵ openEsc closeRate figures are illustrative
Browser storage
No cookies, no analytics, no advertising. If you allow it, one entry in this browser remembers your theme, palette and display settings. Nothing else is stored, and nothing is sent anywhere.
