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There’s a Smarter Way to Tap Your Home’s Equity
Before you sign anything that promises “no payments for years” or says the balance will simply be “added to the back of your loan,” let’s slow down and look at what’s really being offered.
Because in many cases… it’s not a refinance.
Hi, I’m Marcia Frater Your Trusted Local Mortgage Expert
Licensed Realtor since 1988 • Lending Professional since 2000.
I guide clients through the mortgage process with clarity, honesty, and care, making financing straightforward so you can focus on finding and enjoying your dream home. My approach combines decades of real estate experience with deep lending expertise, ensuring that every client receives personalized solutions that truly fit their goals.
What an HEA (Home Equity Agreement) Actually Is
A Home Equity Agreement (HEA) is:
❌ Not a loan
❌ Not a refinance
❌ Not a line of credit
It’s an agreement where a third-party investor gives you cash today in exchange for a share of your home’s future appreciation (and sometimes depreciation).
How VA Construction Financing Works
Who it’s for:
Homeowners with available equity who need funds for debt consolidation, home improvements, major expenses, or financial planning.
Seniors 62+ considering reverse mortgage options.
Anyone considering an equity-sharing agreement and wanting to review better alternatives first.
How it works:
We review your current mortgage, interest rate, remaining term, and equity position.
Then we compare options such as a HELOC, Home Equity Loan, Cash-Out Refinance, or Reverse Mortgage.
You receive clear numbers outlining total cost, payments, and long-term impact before making a decision.
Why now:
Equity levels remain strong in many markets, but lending guidelines and programs can change.
Making the right decision today can protect your future appreciation and long-term wealth.
Access Your Home’s Equity Today
Take the first step toward using your home’s equity the smart way. Complete the form below, and let’s review your options