Cash out refinance
A new first mortgage for more than you owe. You take the difference in cash at closing.
Often a fit when you'd also like to change your rate, term, or loan type.
Your home has been building wealth. Let's put it to work.
Free equity review
See what your equity can do
Two minutes. I'll reach out personally, not a call center.
Quick estimate
How much equity could you access?
- Home value
- $550,000
- Max borrowing at 80%
- $440,000
- Less current balance
- −$310,000
- Estimated equity available
- $130,000
An illustration only, not an offer or commitment to lend. Available equity depends on program, property type, occupancy, credit, income, and appraised value.
Get my exact numbersFour ways to use it
Equity, explained simply
HELOC
A line of credit behind your current mortgage. Draw what you need, when you need it.
Often a fit for projects paid in stages, or a safety net you may not fully use.
Home equity loan
A second mortgage paid out in one lump sum with a fixed payment.
Often a fit when you have a low first mortgage rate worth protecting.
Your next purchase
Conventional, FHA, VA, jumbo, and first time buyer programs, with a clear plan from preapproval to keys.
Equity from your current home can become the down payment on the next one.
Meet your loan officer
Sarah Kubicki
Branch Manager | Executive Loan Officer | NMLS #876986
I'd rather you understand your loan than just sign for it.
I started in mortgage banking in 2009 at a national bank and went on to lead and mentor teams of loan officers. Today I'm a Branch Manager and Executive Loan Officer with Independence Home Loans in Scottsdale, with deep knowledge of FHA, VA, and conventional guidelines.
Outside the office I live in North Phoenix with three Cavalier King Charles Spaniels, play violin with the Scottsdale Philharmonic, and travel whenever I can.
Ready when you are
Let's find out what your home can do for you.
Start with a free equity review, or go straight to the secure online application.
Call or text (913) 752-7773 · skubicki@independencehl.com