Restructure. Reinvest. Refocus.

Whether rates are up or down—your equity can be working smarter for you.
Submit Refinance or Heloc Inquiry

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.

Refinance or HELOC? That Depends On…

How long will you stay in the home?

Understanding the cost difference is crucial. Calculate your Compare 2 Rates (Interest Costs) now to see how refinancing to a lower rate compares to keeping your current loan and adding a HELOC on top.

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.

But how will borrowing against your equity affect your monthly payments—or your ability to qualify for future financing?

Are you consolidating debt, investing, or funding renovations?

Is there a smarter structure that protects future buying power?

Request Refi or Heloc Quote Today

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.

Ready to explore your refinance options? Calculate your Conventional Refinance Rate Reduction Loan Payment now to see how much you could save monthly and over the life of your loan by lowering your rate.

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
Need to access equity without touching your first mortgage? Calculate your Heloc Loan Payment now to explore flexible credit line options that preserve your existing low rate.
Planning major improvements or debt consolidation? Calculate your Conventional Cashout Refinance Loan Payment now to see how much equity you can access while potentially lowering your rate.

Download our free
Homeowners Guide

Use your home equity to grow wealth, upgrade, or reinvest smartly.

Download Your Guide Now

New brand. Same trusted leadership.

What Clients Say About Working with Jim & His Team

Built on Trust. Backed by Experience.

Jeffrey Zettek - via Google Chief Financial Officer at ASCM, formerly APICS - ILLINOIS

This is my third go with Jim Blackburn and his team; purchase and two refinances. Every time we’ve worked together, both Jim and his entire staff have been on top of their game with communication and professionalism. I will be happy to continue doing mortgages with this group!

Elizabeth Torres - via Facebook Senior Branch Mgr. at JP Morgan Chase - ILLINOIS

Closed in time for Thanksgiving! Jim and his team were amazing, and we got a much better deal than previous lender.
We closed our loan within 19 days. Just in time for Thanksgiving!! Jim and his team are amazing! We initially had gone with a different loan office and the interest rate and down payment was ridiculous. The owner of the company where my husband works referred us to Jim and we are very grateful for that. We had such an amazing experience with Jim and his team! Since our transaction, we’ve been referring Jim to anyone we know that are thinking of purchasing a house.

Aqeel Wahiduddin - via Facebook Owner Verzênay Bakery Café - ILLINOIS

Very prompt customer service, thorough and professional in their response. This is my second time dealing with Jim and team and they beat expectations with their service – thanks team!

Karina Diaz - via Facebook Dental Hygienist - CALIFORNIA

I had a great experience working with Jim. He was very patient and walked us through the whole process. I would definitely recommend him!

David Roth - via Google Lead Photographer at MerchSource - CALIFORNIA

I've worked with Jim a few times and quite honestly he's always treated me with the utmost respect. Yes, he finds the best rates (I mean the BEST RATES), but he works so hard to get your deal done.

Christina Curva Carrasco - via Facebook Owner at Curated Interiors - WASHINGTON DC

Smooth, fast, and hassle-free mortgage and refinance process.
Jim and his team are great to work with! We have used Jim twice with our home mortgage. Both times, the process was smooth and uneventful (which is what I wanted). He has kept in touch with us and contacted us when he felt it was the right time for us to refinance! I was amazed at our refinancing process – it took them about a little over two weeks to process all our information and close! I love the new online process of submitting all the information they require – it made it super easy for me to organize and gather all the documents.

Discover the Goals That Drive Your Financial Journey

Refinancing or tapping into your equity is more than a numbers game — it’s a strategic move.

Take the Discovery Quiz to align your refinance or HELOC with your broader wealth plan and unlock smarter possibilities.
Take The Discovery Quiz Today
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