For Orange County and California homeowners
Your home has equity. Let's find the best way to use it.
Book your free equity review
Tell us a little about what you need and we'll reach out to set up a time.
Please don't include your Social Security number, income or account details. We'll collect those later through a secure application.
Refinance, a HELOC, a reverse mortgage, or selling and downsizing. We lay every option side by side in a free written review, so you can choose with the full picture.
- No cost, no obligation
- Every option compared in writing
- Local to Orange County
Rather talk now? Call 949-945-0421
Four ways to use your equity
Each fits a different situation. This is the comparison your review walks through with your numbers.
Cash-out refinance
- Good when
- You want one loan, and today's rates are close to or below your current rate.
- Watch for
- It replaces your existing mortgage, including its rate.
HELOC
- Good when
- You want flexible access for a remodel or a safety net, and to keep your first mortgage.
- Watch for
- Rates are usually variable, so payments can change.
Reverse mortgage
- Good when
- You're 62 or older and want to stay in your home without a monthly mortgage payment.
- Watch for
- Taxes, insurance and upkeep are still required, and the balance grows over time.
Sell & downsize
- Good when
- You're ready for a smaller or lower-maintenance home and want to keep the difference.
- Watch for
- Selling costs, and timing the sale with your next purchase.
Meet your broker
Matt Freeland
Home Equity Advisor | Broker and Owner, Reliable Lending
Matt Freeland has spent his career helping people navigate complicated decisions involving their homes and their money. Since 2002 he has helped California homeowners with everything from everyday home purchases, sales and refinances to more complex situations involving short sales, probate, foreclosure and bankruptcy. That experience taught him to listen first, explain every option in plain terms, and let the homeowner decide.
Today Matt is a home equity advisor and the owner of Reliable Lending and its sister real estate company, Pacific Cove Estates, in Costa Mesa. Many of his clients are retirees and their families facing a life change who want to know what their home equity can do for them.
