When to Refinance
Sean Mertens Sean Mertens

When to Refinance

A practical California homeowner’s guide to refinance break-even calculations, closing costs, cash-out options, mortgage insurance, recasting, HELOCs, and when refinancing may not make sense.

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County Employee Down Payment Assistance
Sean Mertens Sean Mertens

County Employee Down Payment Assistance

Current GSFA Assist-to-Own guidance for California county employees, including eligible counties, deferred second-mortgage terms, repayment triggers, and questions to ask.

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ARV HELOC
Sean Mertens Sean Mertens

ARV HELOC

Home equity loan before equity is there. Find out how to finance an ADU

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