Equity in 5 Days? Your Home Transformation Starts Here!

Discover how simple it is to turn your home's equity into reality! This month’s edition is sponsored by our 5-Day Home Equity Line of Credit.

Good Morning! Wishing you a productive start to your day. In this edition, we're cutting straight to the core of smart homeownership: how to make your equity work for you. If you're ready to move beyond wishing for home improvements and start making them happen, or if you're looking for savvy ways to grow your financial future, this issue is packed with actionable insights. Let's make some smart moves together!

“The best way to get started is to quit talking and begin doing.” — Walt Disney

What’s The Rate?

Average rates for primary homes with % changes from May according to Freddie Mac

Top Mortgage News

• Housing experts forecasts home price growth to average 2.9% in 2025 and 2.8% in 2026 (Fannie Mae)

• How remodeling impacts on home owner’s and their future home values (NAR)

• Home remodeling expected to grow by 5% in 2025 (Scotsman’s Guide)

(Articles are not endorsed in any matter by Agave Home Loans)

Performance Stats

• $39,775,959 Total Funded Volume in May

• 143 Families helped close on a loan!
  

Unlock Your Home's Full Value: Your 5-Day HELOC!

Ready to boost your home's value and create your dream space? Our 5-Day Home Equity Line of Credit (HELOC) makes it incredibly easy and fast to access the equity you've built.

Imagine those dream renovations finally becoming a reality. Our HELOC offers:

• No Appraisals Needed

• Flexible Terms, Fixed Rates (5-30 years, no variable surprises!)

• No Prepayment Penalties or Balloon Payments

• Application in Minutes, Funds in as Little as 5 Days!

It's the smart way to fund home improvements, consolidate debt, or invest in your future.

Credit Score Hint: 620+ helps, 700+ often means even quicker approval!

Ready to unlock your home's potential?

*All loans subject to credit approval. Funding times may vary. Not available in all states/properties. Consult a loan officer for full terms and conditions.

Fund Renovations with a Smart Cash-Out Refinance

Upgrading your home can be exciting, but finding the funds to do it isn’t always easy. One powerful solution? Using a cash-out refinance to fund home renovations. If you’ve built equity in your property, this option can unlock serious potential. Whether you’re remodeling a kitchen or replacing your roof, cash-out refinancing might offer the best mix of affordability and financial strategy.

Why Use a Cash-Out Refinance for Home Improvements? Lower Interest Rates Compared to Other Financing Homeowners often face the choice between credit cards, personal loans, or tapping home equity. Credit cards and personal loans usually carry high interest rates—sometimes over 20%. In contrast, mortgage rates tend to be significantly lower, even with cash-out terms.

HELOCs (home equity lines of credit) are another option, but their variable interest rates can fluctuate. A cash-out refinance typically offers a fixed rate, offering predictable payments over time.

Note: Be sure to check out our HELOC’s if you’re interested in a fixed rate option!

Potential to Increase Home Value Certain home upgrades provide a strong return on investment (ROI). Consider the following improvements:

Kitchen remodels Bathroom renovations HVAC replacements Roof replacements Energy-efficient windows Solar panel installations These projects often boost your property value, helping offset the cost of the refinance. You’re not guaranteed to get a dollar for dollar increase in value but quality upgrades, curb appeal, and aesthetic certainly help.

Possible Tax Benefits!

In some cases, the interest paid on a cash-out refinance may be tax-deductible—but only if the funds are used for substantial home improvements. Consult your tax advisor regarding the deductibility of interest.

If you’ve never heard about buydown programs or are unsure how they work, please check out our complete guide that breaks down how crucial it can be to qualify

Click here to read the full guide 👇

If you want to find out what rates and programs you qualify for based on your personal profile, please fill out this form 👈

Sweet Visuals: Probability of Fed Lowering Rates

Probability Remains High at 80% for No Rate Cuts for July Fed Meeting

Probability Increases to 75% for Cuts for September Fed Meeting

Source: CME Group-FedWatch

Sticky Media: The Book on Rental Property Investing

"While 'Die With Zero' teaches us to maximize life experiences, 'The Book on Rental Property Investing' by Brandon Turner offers a roadmap to strategically building wealth so those experiences become even more accessible. It challenges the notion that real estate investment is only for the ultra-rich, showing how everyday individuals can create lasting passive income and financial freedom through smart buy-and-hold strategies.

Turner demystifies the entire process, from finding profitable deals and analyzing properties to financing, managing, and scaling your portfolio. Crucially, it highlights how leveraging your existing home equity – whether through a HELOC or cash-out refinance – can be the powerful first step or a crucial accelerant in your investment journey. It’s about making your money work harder for you, turning your existing assets into future income streams.

This book isn't about getting rich quick; it's about a disciplined, accessible approach to long-term wealth creation. It empowers you to view your home as more than just a place to live, but as a potential launchpad for building a legacy of financial security. If you’ve ever considered transforming your equity into a consistent income or a growing asset base, this book provides the practical wisdom you need to get started."

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AGAVE HOME LOANS

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