Get answers to questions like;

  • Is there such a thing as zero closing costs?
  • How do you get the lowest interest rate?
  • How much equity am I allowed to take out?
  • What’s the difference between a cash-out refinance and a secondary HELOC?
  • When is the best time to refinance?
  • Is refinancing worth the cost?
  • And more!


Crystal Oculee
Chief Financial Strategist

Crystal Oculee
  • Certified Tax Specialist®
  • Certified Income Specialist®
  • National Social Security Advisor®
  • Certified Estate and Trust Specialist®
  • Certified Annuity Specialist®
  • Certified Fund Specialist®

Wayne Chi
Mortgage Broker Expert

wayne chi - circle