Your home has been building wealth. Let's put it to work.
Branch Manager. Executive Loan Officer.
Independence Home LoansNMLS #876986
Meet Sarah.
"I'd rather you understand your loan than just sign for it."
See what your equity can do.
Two minutes. I'll reach out personally, not a call center.
How much equity could you access?
- Home value
- $550,000
- Max borrowing at 80%
- $440,000
- Less current balance
- -$310,000
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 numbers →Equity, explained simply.
03 · Four ways to use itCash 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.
Start a cash out review →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.
Start a HELOC review →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.
Start a home equity review →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.
Start a purchase review →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.
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