Restructure. Reinvest. Refocus.
Whether rates are up or down—your equity can be working smarter for you.
Your mortgage isn’t just a payment—it’s a tool. And like any tool, it needs sharpening from time to time.
At Stairway Mortgage, we help homeowners unlock better terms, remove financial stress, and reposition their home equity for smarter moves. Whether you’re restructuring high-interest debt, freeing up funds for improvements, or making a down payment on your next investment—it all starts with strategy.
DOWNLOAD OUR REFINANCE & HELOC GUIDE
DOWNLOAD OUR REFINANCE & HELOC GUIDE
Learn which path is best for your equity, goals, and timing.
Refinance or HELOC? That Depends On…
How long will you stay in the home?
If you’re moving in 2–3 years, a refi may cost more than it saves.
Do you want to touch your first mortgage?
HELOCs can offer access to funds without changing your original loan.
• Do you want fixed-rate stability or flexible access to equity?
• Are you consolidating debt, investing, or funding renovations?
• Is there a smarter structure that protects future buying power?
• Are you consolidating debt, investing, or funding renovations?
• Is there a smarter structure that protects future buying power?
Real Outcomes from Smarter Restructuring
What Most Banks Don’t Tell You…
- HELOCs may start interest-only, but balloon unexpectedly
- You may qualify for lender-paid closing costs or lower rate refis
- Re-amortizing your loan can free up monthly cash flow without resetting the term
- You can split loans between first + second mortgage to protect your low first rate
- Most people refinance too late—or not at all—and leave 5–6 figures on the table
The 3-Year Refinance Guarantee™
Refi today with confidence—if rates drop, we’ll help you refi again with no excessive closing costs for 36 months.
Your Mortgage Is a Wealth Tool—Let’s Use It Right
You don’t have to figure this out alone. Whether you’re refinancing, drawing equity, or just exploring smarter structures—we’ll guide you.
The right plan could change everything.
100% Client Satisfaction
Real Comments, Real People
Hear From Some Past Clients of Our Founder
First-time home purchase and refinance with fast closing
Great customer service! We were living in California for 20+ years, and every year our rent went up, so we decided to move to Virginia and get our own house. Jim helped us with our very first home mortgage and constantly updated us with the lowering rates. After we were presented with different options, we decided to do a refi, and his team made it possible for us to grab the opportunity to shorten our term from 30 to 15 years at a much lower rate. In just around three weeks we were able to close. Me and my family will definitely recommend them!
Johnny Blan - via Facebook
Retired Investor -
CALIFORNIA
CALIFORNIA
Guidance through the purchase process with clear explanations
They worked with me on the purchase process. Their knowledge helped me to choose the option that was most convenient. From the beginning they explained the process. Thanks Jim!
Dayana Ruiz - via Facebook
Mortgage Loan Originator Columbus Capital Lending -
FLORIDA
FLORIDA
Investor-friendly lender who goes the extra mile
I'm an RE investor. Had multiple loan officers but one really stands out – JIM BLACKBURN. Now, he is working on a third deal with me. He does go the extra mile. A few examples from the past: I have tons of properties and live in China with unique income (he made it work!). He called me in China at 1 AM to get information to close the deal. He is super efficient with collecting the right documents upfront to avoid a lot of back and forth later with processors. You can't go wrong with Jim.
Dennis Nikolaev - Facebook
Studio Leader at APCE Dennis Studio -
CHINA
CHINA