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.
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.
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?
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.
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
Download our free
Refinance Guide
Refinancing isn’t just about rates — it’s about strategy. Whether you’re lowering your payment, pulling cash out, or restructuring for long-term wealth, this guide helps you make smart, informed choices at every step of your journey.
New brand. Same trusted leadership.
What Clients Say About Working with Jim & His Team
Built on Trust. Backed by Experience.
Jeffrey Zettek - via Google
Elizabeth Torres - via Facebook
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.
Christina Curva Carrasco - via Facebook
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.