Refinance Archives

Making the Market Work for You: Real Examples of Strategic Homeownership

Posted on July 7, 2026July 7, 2026 by Michelle Tondu

Making the Market Work for You: Real Examples of Strategic Homeownership

Navigating real estate options can feel overwhelming when market conditions constantly shift. However, housing remains a foundational element of long-term financial stability and personal wellness. Making informed, educated choices is the best way to ensure your real estate decisions align with your broader financial goals.

Fortunately, access to educational tools and professional financial planning resources can give you a significant advantage. By utilizing available employer-sponsored wellness benefits, individuals can cut through the noise and build actionable strategies. Here is how three working professionals successfully mapped out their journeys.

Sarah’s Smart Foundation

Sarah, a school administrator, wanted to purchase her first property but felt blocked by high upfront costs and a lack of real estate knowledge. Instead of giving up, she connected with an educational financial coach. Through careful budget tracking and an introduced roadmap for first-time buyers, she discovered tailored down payment options. Ten months later, she confidently purchased a townhome within her budget.

David’s Strategic Refinance

David, a logistics coordinator, had been watching interest trends closely, wondering if he could optimize his current mortgage. By reviewing his financial health with an objective planning expert, he calculated how consolidating high-interest debt into a restructured mortgage layout could improve his monthly cash flow. The move freed up significant capital, allowing him to build an emergency savings fund.

Elena’s Smooth Transition

Elena, a project manager, needed to upgrade to a larger property for her growing family but was deeply stressed about the timing of selling and buying simultaneously. Educational support and structured planning tools helped her evaluate bridge options and low-stress financing strategies. Ultimately, she managed a seamless move without rushing her timeline.Elena, gerente de proyectos, necesitaba mudarse a una propiedad más grande para su familia en crecimiento, pero se sentía muy estresada por coordinar la venta de su casa y la compra de la nueva al mismo tiempo. El apoyo educativo y las herramientas de planificación estructurada le ayudaron a evaluar opciones de financiamiento temporal (créditos puente) y estrategias de bajo estrés. Al final, logró una mudanza impecable y sin complicaciones, respetando sus propios tiempos.

The Power of Preparation

No matter what the broader market looks like, individual success always comes down to proactive planning and objective education. Understanding credit health, true purchase capacity, and mortgage structures allows you to act with total confidence. Even if a move isn’t on your immediate horizon, taking the time to educate yourself today ensures you are fully prepared when the right opportunity arrives.

Start your Journey Today!

Are you ready to explore your options, build a customized financial plan, or get answers to your homeownership questions? Schedule your free consultation today.

SupportSquad@AdvantageHomePlus.com | (800)511-2197

The information contained and the opinions expressed in this article are not intended to be construed as investment advice. Advantage Home Plus does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. * Real estate commission contributions are available as state laws allow.

The “Wait and See” Trap: Evaluating Your Home’s Real Value

Posted on May 18, 2026May 18, 2026 by Michelle Tondu

The “Wait and See” Trap: Evaluating Your Home’s Real Value

For many homeowners, the security of a low interest rate has become a “golden handcuff”, creating a difficult choice between financial logic and daily reality. While staying put might seem like the safest move, there is a hidden cost to living in a space that no longer serves your family’s needs.

This June, it’s time to look beyond the interest rate and evaluate whether your home is still a functional asset for your life or if the “wait and see” strategy is actually holding you back from your next big milestone.

The Invisible Cost of the “Wait and See” Strategy

Many homeowners focus exclusively on their mortgage rate when deciding whether to move. While holding onto a low rate is a common financial goal, there is another number that often goes overlooked: the cost of staying in a home that no longer fits your life.

“Whether it’s the rising cost of maintenance on an older property or the daily stress of a cramped space, waiting for the ‘perfect’ market can sometimes be more expensive than making a strategic move now.”

Evaluating the Utility of Your Home

In today’s market, it is easy to feel “locked-in” by a great interest rate. However, your home is more than just a loan; it is a tool for your daily life. If your current situation has changed, you may be facing hidden costs such as:

Maintenance Inefficiency: Spending more on repairs for an aging home that you’ve outgrown.
Lifestyle Friction: The daily impact of a home that is too small for a growing family or too large for your current needs.
Opportunity Cost: Delaying the move to a location or property that better supports your long-term career or personal goals.

Unlocking Your Home Equity

The key to making a smart move in June is to understand your home equity. Over the last few years, home values have reached historic highs. This means you are likely to have a significant amount of wealth tied up in your property that can be used strategically.

By analyzing your equity, you can explore modern solutions designed to reduce the stress of selling:

Bridge Solutions: Strategies to help you buy your next home before you even sell your current one.
Flexible Timelines: Options like rent-back agreements that give you time to transition without pressure.
Strategic Reinvestment: Using your current equity to fund a larger down payment on a home that truly fits.

The Goal: Clarity Over Hesitation

The challenge isn’t usually a lack of opportunity; it’s a lack of visibility into these options. To help you evaluate your situation, your company offers a homeownership benefit that provides expert guidance on both buying and selling.

Taking the time to run the numbers now ensures that you are making decisions based on your total financial health, not just a single interest rate.

Ready to See What’s Possible?

Your Employee Homeownership Program is here to help you plan, navigate your options, and save money along the way. Book a Strategy Session to get a clear, personalized path forward – based on your unique situation.

SupportSquad@AdvantageHomePlus.com | (800)511-2197

La información contenida y las opiniones expresadas en este artículo no deben interpretarse como asesoría de inversión. Advantage Home Plus no garantiza ni avala la exactitud o integridad de la información u opiniones aquí incluidas. Nada de lo contenido en este documento debe considerarse como asesoramiento financiero o de inversión. Siempre debes realizar tu propia investigación y debida diligencia, así como obtener asesoría profesional antes de tomar cualquier decisión de inversión. *Las contribuciones a las comisiones de bienes raíces están disponibles según lo permitan las leyes estatales.

What to Ask a Mortgage Loan Officer

Posted on April 10, 2026April 10, 2026 by Michelle Tondu

What to Ask a Mortgage Loan Officer

Your loan officer guides your mortgage journey. Learn the key questions to ask before choosing one to ensure you get clear answers and the right loan. — *Asking your loan officer the right questions helps you understand loan options, interest rates, and the true cost of your mortgage.*

Your loan officer is one of your most important partners in the homebuying journey. They’ll guide you through mortgage options, help you understand what you can afford, and work to get you to the closing table. But not all loan officers communicate the same way. Asking the right questions upfront helps you find someone who explains things clearly and has your best interests in mind.

Understanding Loan Options

Start by asking about the types of loans available to you. Ask:

What loan programs might I qualify for based on my credit score and down payment?
What’s the difference between conventional, FHA, VA, and USDA loans?
Which loan type would you recommend for my situation, and why?

A good loan officer will explain the trade-offs between loan types without pushing you toward a specific product.

Interest Rates and Fees

The interest rate is important, but it’s not the only number that matters. Ask:

What is the difference between the interest rate and the APR?
What are the estimated closing costs for this loan?
Are there any fees for locking my rate? How long does a rate lock last?

The APR includes both the interest rate and most fees, giving you a truer picture of the loan’s cost. Comparing APRs across lenders is more useful than comparing rates alone.

The Pre-Approval Process

Understanding what pre-approval means for your timeline. Ask:

What documents will I need to provide for a full pre-approval?
Does your pre-approval go through underwriting review?
How long does the pre-approval remain valid?

A pre-approval that includes underwriting review is stronger than a quick preliminary check. It signals to sellers that your financing has already been vetted.

Monthly Payment and Affordability

Your loan officer should help you understand what you can truly afford. Ask:

What monthly payment am I pre-approved for, and what payment would I actually be comfortable with?
How do property taxes and homeowners insurance affect my monthly payment?
What would happen to my payment if interest rates change (for an adjustable-rate mortgage)?

A responsible loan officer will help you think about affordability, not just maximum qualification.

Communication and Timeline

Finally, understand how your loan officer works. Ask:

How quickly do you typically respond to calls or emails?
Will I work directly with you or a team?
What is the typical timeline from application to closing for borrowers like me?

Clear expectations about communication prevent frustration later.

The Bottom Line

Your loan officer is your advocate and educator. Taking time to interview candidates ensures you find someone who will answer your questions honestly and help you make informed decisions.

Feeling prepared for this conversation is part of overall homebuying readiness. The educational resources available through your employer’s financial wellness benefit, with support from a trusted partner like Advantage Home Plus, can help you understand each stage of the mortgage process and connect you with professionals who put your interests first.

How Much Equity Do You Need to Refinance?

Posted on March 20, 2026March 20, 2026 by Michelle Tondu

How Much Equity Do You Need to Refinance?

If you’re considering refinancing your mortgage, you’ve likely heard that home equity matters. But how much equity do you actually need? The answer depends on your refinance goals and the type of loan you’re pursuing. Understanding these requirements helps you determine whether refinancing is an option worth exploring.

What Is Home Equity and How Is It Calculated?

Home equity is the difference between what your home is worth and what you owe on your mortgage. To calculate your equity:

Current home value – mortgage balance = home equity

For example, if your home is valued at $400,000 and you owe $250,000, you have $150,000 in equity or 37.5% of your home’s value.

Lenders express equity requirements as loan-to-value (LTV) ratio, which is your mortgage balance divided by your home’s value. In the example above, the LTV is 62.5% ($250,000 / $400,000). Lower LTV means more equity, which typically makes refinancing easier.

Equity Requirements for Different Refinance Types

Rate-and-Term Refinance (lowering your rate or changing your loan term):

Conventional loans: Often require at least 5-10% equity (90-95% LTV)

FHA loans: May allow refinancing with as little as 2.25% equity (97.75% LTV) through the FHA Streamline program

VA loans: The VA IRRRL program often requires no equity at all for eligible veterans

Cash-Out Refinance (accessing equity as cash):

Conventional loans: Typically require at least 20% equity (80% LTV) after the cash-out

FHA cash-out: Usually requires 15% equity (85% LTV)

VA cash-out: May allow up to 100% LTV, meaning you can access nearly all your equity

When Equity Requirements Are Flexible

Even if you don’t meet standard thresholds, options may exist:

FHA Streamline: No appraisal required, so equity isn’t a factor

VA IRRRL: No appraisal needed for eligible veterans

USDA loans: May allow refinancing with minimal equity

Non-qualified mortgage (non-QM) programs: Some lenders offer alternative options for borrowers with less equity

The Appraisal Factor

Your equity is based on your home’s current value, which an appraiser determines. If your home has been appreciated significantly, you may have more equity than you think. Conversely, if values in your area have declined, you may have less. A professional appraisal provides the accurate number lenders require.

When Low Equity Isn’t a Barrier

Sometimes refinancing still makes sense even with minimal equity:

Switching from an ARM to fixed-rate: If your adjustable-rate mortgage is about to reset, locking in a fixed rate may be worth the cost

Removing a co-borrower: Divorce or separation may necessitate refinancing regardless of equity

Government-backed programs: FHA and VA options often have more flexible requirements

The Bottom Line

Equity requirements vary widely based on your loan type, refinance goals, and lender guidelines. The most important step is understanding your current equity position and exploring which programs might fit your situation.

Clarity about your equity position is the foundation of any refinance decision. The educational resources and personalized guidance available through your employer’s financial wellness benefit, with support from a trusted partner like Advantage Home Plus, can help you calculate your equity, understand your options, and determine if refinancing aligns with your goals.

Debt Consolidation with Home Equity: What to Know

Posted on March 13, 2026March 13, 2026 by Michelle Tondu

Debt Consolidation with Home Equity: What to Know

A calculator and notepad show the math behind consolidating multiple high-interest debts into a single lower monthly payment. — *Using home equity to consolidate high-interest debt can simplify payments and reduce interest costs, but it requires careful consideration of the risks involved.*

If you’re carrying high-interest debt credit cards, personal loans, or auto loans you may have heard that using your home equity to consolidate could lower your payments and save on interest. This strategy can be powerful, but it’s not right for everyone. Understanding how it works, the potential benefits, and the risks involved helps you decide if it aligns with your financial goals.

What Does Debt Consolidation With Home Equity Mean?

When you consolidate debt with home equity, you’re essentially taking out a new loan either a home equity loan or a Home Equity Line of Credit (HELOC) and using the funds to pay off your existing high-interest debts. Instead of making multiple payments to various creditors each month, you make a single payment on your home equity loan.

The appeal is simple: home equity loans typically offer lower interest rates than credit cards or personal loans because your home secures the debt.

Two Main Ways to Access Home Equity

Home Equity Loan: This is a lump-sum loan with a fixed interest rate and fixed monthly payments over a set term. It’s predictable and works well if you know exactly how much you need to consolidate.

HELOC: A line of credit that works more like a credit card. You can draw funds as needed during a “draw period,” and payments vary based on your balance. HELOCs often have variable rates, which means your payment could change over time.

The Potential Benefits

Lower interest rate: Replacing 18-24% credit card debt with a single-digit home equity loan can save thousands in interest.
Simplified payments: One monthly payment instead of multiple due dates and minimums.
Potential tax deductibility: In some cases, interest on home equity loans used for home improvements may be tax-deductible (consult a tax professional).

The Critical Risks to Understand

Your home becomes collateral: Unlike credit card debt, which is unsecured, a home equity loan is secured by your home. If you can’t make payments, you risk foreclosure.

Closing costs and fees: Home equity loans often come with closing costs, appraisal fees, or annual fees that can add up.

The “revolving door” risk: Some borrowers consolidate debt but continue using credit cards, ending up with both a home equity loan and new credit card debt a worse position than where they started.

Variable rate uncertainty: With HELOCs, your payment could increase significantly if interest rates rise.

Questions to Ask Yourself First

Before moving forward, consider:

Have I addressed the spending habits that created the debt?
Can I truly afford the new payment, even if my financial situation changes?
How does the new loan term compare? Stretching payments over 15-30 years could mean paying more interest long-term, even at a lower rate.
What are the fees, and how do they affect my break-even point?

When It Makes Sense

Using home equity for debt consolidation can be smart when:

You have a solid plan to avoid accumulating new debt
The interest rate savings are substantial
You can afford the new payment comfortably
You’re using a fixed-rate product with predictable payments
You’ve addressed the root causes of the original debt

When to Think Twice

Proceed with caution if:

You haven’t changed the habits that led to the debt
You’re extending payments so long that total interest exceeds what you’d pay otherwise
Your income is unstable or likely to decrease
You’re using a variable-rate HELOC without a clear repayment plan

The Bottom Line

Your home equity is a valuable asset. Using it strategically to eliminate high-interest debt can strengthen your financial position but only if approached with discipline and clear understanding. This isn’t about moving debt around; it’s about creating genuine financial improvement.

Making this decision requires a clear view of your complete financial picture. The educational resources and personalized guidance available through your employer’s financial wellness benefit, with support from a trusted partner like Advantage Home Plus, can help you evaluate whether debt consolidation with home equity aligns with your goals.

Fixed-Rate vs Adjustable-Rate Mortgages: Pros & Cons

Posted on March 6, 2026March 10, 2026 by Michelle Tondu

Fixed-Rate vs Adjustable-Rate Mortgages: Pros & Cons

When you’re ready to buy a home, one of the first major decisions you’ll face is choosing between a fixed-rate mortgage and an adjustable-rate mortgage (ARM). Each serves a different purpose and suits different financial situations and timelines. Understanding how they work and the trade-offs involved empowers you to choose the loan that truly aligns with your life.

Fixed-Rate Mortgages: The Predictable Choice

A fixed-rate mortgage does exactly what it sounds like: the interest rate stays the same for the entire life of the loan, whether that’s 15, 20, or 30 years.

Pros:

Predictable payments: Your principal and interest payment never changes, making budgeting simple and stress-free.
Long-term stability: You’re protected from future interest rate increases, no matter how high rates climb.
Peace of mind: Ideal for buyers who plan to stay in their home for many years and want consistency.

Cons:

Higher initial rate: Fixed rates are typically higher than the starting rate on an ARM.
No benefit from rate drops: If market rates fall significantly, you’d need to refinance to capture savings.

Fixed-rate mortgages are the most popular choice for a reason. They offer simplicity and security, especially for buyers who value predictability and plan to put down roots.

Adjustable-Rate Mortgages (ARMs): The Strategic Choice

An ARM features an interest rate that is fixed for an initial period (typically 3, 5, 7, or 10 years) and then adjusts periodically based on market conditions. A 5/1 ARM, for example, has a fixed rate for five years, then adjusts once per year thereafter.

Pros:

Lower initial rate: ARMs often start with a lower rate than fixed mortgages, which means lower monthly payments in the early years.
Potential for savings: If you sell or refinance before the adjustable period begins, you may never experience a rate increase.
Ideal for shorter timelines: Perfect for buyers who know they’ll move within a few years.

Cons:

Future uncertainty: After the fixed period ends, your rate and payment could increase.
Complexity: ARMs have caps on how much rates can increase, but understanding these limits requires careful attention.
Risk if plans change: If you plan to sell in five years but end up staying longer, you could face higher payments.

How to Choose What’s Right for You

The right choice depends on your specific circumstances:

Consider a fixed-rate mortgage if:

You plan to stay in your home for 10+ years.
You prefer predictable payments and want to “set it and forget it.”
You’re risk-averse and want protection from future rate hikes.

Consider an ARM if:

You plan to move or refinance within the fixed-rate period.
You want to maximize cash flow in the early years of homeownership.
You’re comfortable with some uncertainty and understand how rate caps work.

The Bottom Line on Risk

Neither option is inherently “better.” They’re simply different tools for different situations. The key is aligning your mortgage choice with your timeline, financial goals, and comfort with uncertainty.

A 30-year fixed mortgage offers unmatched stability. A well-structured ARM can offer significant savings for the right buyer. Understanding your own plans and being honest about how long you’ll likely stay is the foundation of a smart decision.

Navigating these choices can feel overwhelming, but you don’t have to figure it out alone. Having clear, personalized guidance helps you weigh the trade-offs and choose with confidence.

The educational resources and one-on-one support available through your employer’s financial wellness benefit, with partners like Advantage Home Plus, can help you understand your options and build a mortgage strategy aligned with your unique life.

Por Qué Los Empleados Planean Refinanciar Sus Hipotecas En 2026. Y Qué Significa Esto Para Usted.

Posted on January 21, 2026January 21, 2026 by Michelle Tondu

Por Qué Los Empleados Planean Refinanciar Sus Hipotecas En 2026. Y Qué Significa Esto Para Usted.

Al comenzar el año 2026, muchos propietarios de viviendas están revisando sus finanzas, y para un número creciente de empleados, esto incluye reconsiderar su hipoteca.

La refinanciación repuntó en 2025, no porque la gente buscara la tasa de interés más baja posible, sino porque querían que su hipoteca se adaptara mejor a su situación actual. Estas mismas razones explican por qué muchos propietarios planean refinanciar este año.

Creando Margen De Maniobra En El Presupuesto Mensual

El aumento de los gastos cotidianos ha hecho que muchos hogares sientan que su presupuesto está más ajustado de lo esperado, incluso con ingresos estables.

“No teníamos dificultades económicas, pero nos sentíamos ahogados”, compartió Mark, quien refinanció su hipoteca a finales de 2025. Tras analizar sus opciones a través del Programa de Acceso a la Vivienda para Empleados, logró reducir su pago mensual, lo que le permitió ahorrar 350 dólares al mes.

Para los empleados en situaciones similares, refinanciar su hipoteca en 2026 puede ayudarles a mejorar su flujo de caja y reducir el estrés financiero.

Eliminación De Deudas Con Altos Intereses

Otra razón común por la que los empleados refinanciaron sus hipotecas el año pasado fue para consolidar deudas.

Angela, propietaria de una vivienda desde hace siete años, refinanció su hipoteca en 2025 para incluir los saldos de sus tarjetas de crédito. “No se trataba de gastar más“, dijo. “Se trataba de evitar que los intereses nos perjudicaran“.

Muchos empleados que planean refinanciar sus hipotecas en 2026 están explorando esta misma opción para reemplazar múltiples pagos con altos intereses por un solo pago.

Adaptándose A Los Cambios De La Vida

La vida cambia y las hipotecas no siempre se adaptan a esos cambios. En 2025, muchos empleados refinanciaron sus hipotecas debido a matrimonios, divorcios, planificación a largo plazo o el deseo de cambiar de una hipoteca de tasa variable a una de tasa fija.

Jason, quien refinanció el año pasado, lo resumió así: “Nuestro préstamo tenía sentido cuando compramos la casa. Ahora ya no lo tiene”.

¿Por Qué 2026 Es Un Buen Momento Para Reconsiderar La Situación?

Las tasas de interés han bajado desde sus máximos recientes, pero nadie sabe qué sucederá después. En lugar de intentar predecir el mercado, muchos propietarios están optando por informarse sobre sus opciones ahora. Esto comienza con comparar las opciones de préstamos actuales, comprender los costos y calcular cuánto tiempo tardarían en obtener ahorros.

Cómo Le Apoya Su Programa De Propiedad De Vivienda Para Empleados

A través de su Programa de Propiedad de Vivienda para Empleados con Advantage Home Plus, tiene acceso a herramientas diseñadas para ayudarle a tomar decisiones informadas, sin presiones.

Los empleados que estén considerando refinanciar su hipoteca en 2026 pueden acceder a:

Análisis detallado de refinanciamiento
Seguimiento de tasas de interés
Costos de cierre con descuento
Asesoramiento personalizado para evaluar diferentes opciones antes de tomar una decisión

Muchos de los empleados que refinanciaron su hipoteca a través del Programa de Propiedad de Vivienda para Empleados en 2025 afirmaron que el mayor beneficio no fueron solo los ahorros, sino la tranquilidad. Saber que la decisión que tomaron era la más conveniente para ellos y se ajustaba a sus planes de vida a largo plazo.

En Resumen

Refinanciar una hipoteca es diferente para cada persona, pero el objetivo es el mismo: que su hipoteca se adapte mejor a sus necesidades.

Si está considerando refinanciar su hipoteca en 2026, hable con uno de los asesores de beneficios de su Programa de Adquisición de Vivienda para Empleados a través de Advantage Home Plus. Su objetivo es guiarle y ayudarle a ahorrar dinero.

SupportSquad@AdvantageHomePlus.com | (800) 511-2197

La información y las opiniones expresadas en este artículo no deben interpretarse como asesoramiento de inversión. Advantage Home Plus no garantiza la exactitud ni la integridad de la información ni de las opiniones aquí contenidas. Nada de lo aquí expuesto debe considerarse asesoramiento de inversión. Siempre debe realizar su propia investigación y análisis, y obtener asesoramiento profesional antes de tomar cualquier decisión de inversión. * Las contribuciones a las comisiones inmobiliarias están disponibles según lo permitan las leyes estatales.

Why Employees Plan to Refinance in 2026 And What It Means for You

Posted on January 20, 2026January 20, 2026 by Michelle Tondu

Why Employees Plan to Refinance in 2026 And What It Means for You

As 2026 begins, many homeowners are taking a fresh look at their finances – and for a growing number of employees, that includes revisiting their mortgage.

Refinancing picked up in 2025, not because people were chasing the lowest possible rate, but because they wanted their mortgage to better fit their life today. Those same reasons are why many homeowners plan to refinance this year.

Creating Breathing Room in the Monthly Budget

Rising everyday expenses have left many households feeling tighter than expected, even with steady income.

“We weren’t struggling, but we felt stretched,” shared Mark, who refinanced in late 2025. After reviewing his options through his Employee Homeownership Program, he lowered his monthly payment – freeing up $350 dollars each month.

For employees in similar situations, refinancing in 2026 may help improve their cash flow and reduce financial stress.

Eliminating High-Interest Debt

Another common reason employees refinanced last year was to consolidate debt.

Angela, a homeowner for seven years, refinanced in 2025 to roll credit card balances into her mortgage. “It wasn’t about spending more,” she said. “It was about stopping the interest from working against us.”

Many employees planning to refinance in 2026 are exploring this same approach to replace multiple high-interest payments with one.

Adjusting as Life Changes

Life changes and mortgages don’t always keep up. Employees refinanced in 2025 due to marriage, divorce, long-term planning, or a desire to move from an adjustable-rate loan to a fixed-rate loan.

Jason, who refinanced last year, summed it up: “Our loan made sense when we bought the house. It didn’t make sense anymore.”

Why 2026 Is a Good Time to Revisit the Question

Interest rates have come down from recent highs, but no one knows what’s next. Rather than trying to time the market, many homeowners are choosing to understand their options now. That starts with comparing today’s loan options, understanding costs, and seeing how long it would take to realize savings.

How Your Employee Homeownership Program Supports You

Through your Employee Homeownership Program with Advantage Home Plus, you have access to tools designed to support informed decisions – without pressure.

Employees considering refinancing in 2026 can access:

A detailed refinance analysis

Rate monitoring

Discounted closing costs

One-on-one guidance to review scenarios before deciding

Many of the employees who refinanced using their Employee Homeownership Program in 2025 said the biggest benefit wasn’t just the savings – it was clarity. Knowing the decision they made was in their best interest and fit their overall all life-plan.

Bottom Line

Refinancing looks different for everyone, but the goal is the same: making your mortgage work better for your life.

If refinancing is something you’re considering in 2026, have a conversation with one of your Benefits Advisors at your Employee Homeownership Program through Advantage Home Plus. Their goal is to guide and help you save money.

SupportSquad@AdvantageHomePlus.com | (800) 511-2197