Home Equity and Refinance Strategies

Let’s get this out of the way right now: You do NOT need 20% down to buy a home. You can put 20% down if it fits your goals… But you don’t have to. And for many people — especially first-time buyers — it might even slow you down unnecessarily. Let’s unpack what’s really going […]

When it comes to buying a home, misinformation is everywhere — especially when it comes to mortgages. Some of it comes from well-meaning friends. Some from outdated advice. And some… is just plain wrong. Let’s clear the air. Here are the three most common mortgage myths that hold people back — and the truth behind

You’ve probably heard it a hundred times: “You need a great credit score to get a mortgage.” But what exactly is a “great” score? How much does it really affect your approval — or your interest rate? And what if your score isn’t perfect? Let’s clear up the confusion and give you the truth about

For most Americans, a mortgage isn’t just a way to buy a home — it’s the most powerful financial tool they’ll ever use. But here’s what most people never realize: The wealth is in the leverage. When used wisely, a mortgage gives you access to something far more valuable than a house — it gives

Refinancing isn’t just about lower payments or shorter terms. It’s about what those savings unlock — and who you get to become because of it. At Stairway Mortgage, we believe your refinance should be part of a bigger story: The story of you building wealth with wisdom, purpose, and power. How Refinancing Can Build Your

You’ve built equity. Now the question is: Will you just let it sit — or put it to work? A cash-out refinance lets you access the wealth you’ve already built… without selling your home. But not all equity moves are created equal. Let’s look at the smartest ways to use it. 1. Upgrade Your Home