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Cash Out Refinance: Unlock the Hidden Value in Your Home
Fresh Home Loan Inc. is your trusted partner in achieving your financial goals through smart mortgage solutions. If you’re looking to tap into your home’s equity, explore the benefits of a Cash Out Refinance, and claim your complimentary copy of The Cash Our Refinance Book look no further!
What is Cash Out Refinance?
Cash Out Refinance is a powerful financial tool that allows homeowners to access the equity they’ve built up in their homes by refinancing their existing mortgage. This means you can receive a lump sum of cash, which can be used for various purposes, including:
- Home Improvements: Renovate your home to increase its value or enhance your living space.
- Debt Consolidation: Pay off high-interest debts and streamline your finances.
- Investment: Invest in opportunities with higher returns or start a new venture.
- Education: Fund your or your child’s education without taking on high-interest student loans.
- Emergency Expenses: Cover unexpected medical bills or repairs.
Why Choose Fresh Home Loan Inc. for a Cash Out Refinance?
At Fresh Home Loan Inc., we work for you, the client, not the shareholders, or a company with a giant corporate infrastructure, like most loan officers in the world. Therefore, we have more options with less overlays to get in the way of getting you approved.
We understand that every financial decision is significant. Our team of experienced mortgage professionals is here to guide you through the Cash Out Refinance process, ensuring you make informed choices tailored to your unique circumstances.
Our Benefits:
- Expert Guidance: Our team has in-depth knowledge of the mortgage industry and is committed to helping you achieve your financial goals.
- Personalized Solutions: We work closely with you to create a customized Cash Out Refinance plan that aligns with your objectives.
- Competitive Rates: Access to a wide network of lenders ensures you get the most competitive interest rates.
- Hassle-Free Process: We handle the paperwork and negotiations, making the process as smooth as possible.
Claim Your Complimentary Copy of the Cash Out Refinance Book here: Download Your Free E-Book
Feel free to give us a call at 510.282.5456 or schedule an appointment:
Disclaimer: This e-book is for informational purposes only and should not be considered financial advice. Consult with a qualified mortgage professional to discuss your specific situation.
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Helpful Articles
Generation Z—defined as individuals born between 1997 and 2012 —is entering homeownership earlier than expected and increasingly influencing the residential real estate market. Unlike previous generations, Gen Z is not waiting until they have a traditional 20% down payment saved. Instead, they are leveraging a combination of low-down-payment and zero-down financing options to get into homes sooner. Gen Z is the first generation to grow up fully immersed in technology. They are digital natives—accustomed to real-time information, online comparison shopping, and researching major decisions independently before engaging with professionals. Their approach to buying a home mirrors these behaviors. According to Redfin, in 2024 just over 26.1% of adult Gen Zers (ages 19–27) owned homes — essentially flat from the previous years. According to National Association of Realtors (NAR) data, Gen Zers aged 18–25 made up only 3% of home buyers in the U.S. in the referenced study Gen Z represented 13% of U.S. home-mortgage applications in 2024 (up from ~10% in 2023) per an article summarizing CoreLogic data. While Gen Z currently makes up roughly 3% of all home buyers, their mortgage-application share is already 13% as they edge into the market. They are coming of age. Key characteristics of Gen Z include: Digital Natives: First generation raised with the internet, smartphones, and social platforms from childhood. Diverse & Inclusive: The most racially and ethnically diverse generation in U.S. history. Financially Conservative: Values financial stability and sees homeownership as a foundation, not a finish line. Entrepreneurial: High engagement in gig-based income, side businesses, and self-employment. Research-Driven: Prefers to learn online (YouTube, TikTok, Google) before speaking with an expert. Homeownership Focused: More willing than Millennials to purchase a home early, even without 20% down. We have had the pleasure of helping quite a few Gen Z and very Young Gen Y homebuyers recently. It has been a lot of fun and very satisfying helping such young home buyers. Over the past few years with rates up from the lows of the Pandemic, we have seen fewer first-time home buyers in the past couple of years. It is refreshing to see they are coming back. Historically, younger buyers have been sidelined by the misconception that a 20% down payment is required to purchase a home. Gen Z is proving that outdated. The majority of Gen Z homebuyers are using: FHA financing with 3.5% down The FHA 5/1 ARM which carries a lower rate, and allows you to qualify for more. Conventional financing with 3% down Zero-down FHA programs (with no income limits) These programs are available for all generations and not just for first time homebuyer or Gen Z! These programs offer affordability and flexibility, allowing Gen Z to enter the market sooner and build equity sooner—rather than waiting years to accumulate a large down payment. What I like about these “kids” is they want true guidance. They are not looking for a lender to just quote a rate. They’re looking for a lender who will: Compare multiple financing strategies Show cash to close and payment differences Explain how to refinance later when rates improve This generation wants clarity and total cost transparency. Recently, we worked with a Gen Z couple in the Sacramento Area — both in their mid-twenties, with their first baby due in eight weeks. We structured a zero-down FHA purchase, negotiated closing credits, and helped them purchase a $475,000 home with just $16,000 total out of pocket. Another Gen Z buyer in Bakerfield, CA,— selected a strategy-focused loan structure. Using a 5/1 ARM, he secured a rate below 5%, kept his payment low, and closed with only $25,000 out of pocket on a property in a highly competitive market. It also increased his purchase power, allowing him to qualify for more home in the neighborhood he preferred. What We Do Differently: At Fresh Home Loan, we believe homeownership shouldn’t be complicated or intimidating. We exist to make the process accessible, strategic, and yes — “cool” at least “cooler” than it is now. Through education, transparency, and modern loan options, buyers gain clarity, confidence, and a plan. We don’t just pre-approve. We guide. We strategize. We execute. If you want a lender who will show you every available option, walk you through payment and cash-to-close, and build a financing plan that aligns with your goals and timeline. If you want a lender who will show you every available option, walk you through payment and cash-to-close, and build a financing plan that aligns with your goals and your timeline, then let’s talk. 📲 Call or Text: 510-282-5456 🌐 Apply: https://www.freshhomeloan.com/apply-now 📅 Schedule a consult: www.MeetWithGarrick.com Garrick Werdmuller President & CEO | Mortgage Broker Fresh Home Loan Inc. DRE 01368202 | NMLS 242952 Office: 510-282-5456 Email: garrick@freshhomeloan.com Website: www.FreshHomeLoan.com All loan approvals are conditional and not guaranteed and subject to lender review of all information. Loan is conditionally approved when lender has issued approval in writing, but until all conditions are met, loan cannot be funded. Specified rates and [products may not be available to all borrowers. Rates subject to change according to market conditions and agreed upon lock times set by borrower. Fresh Home Loan Inc. is an Equal Opportunity Mortgage Broker in California. This licensee is performing acts for which a real estate license is required. Fresh Home Loan, Inc. is licensed by the California Department of Real Estate #02137513 NMLS # 2124104
The real estate game is shifting—and fast. Big tech companies are pouring billions into vertical integration, trying to control the entire transaction from home search to financing. Mergers between property search platforms and digital lenders are making headlines, but here’s what no one is talking about: even with all that money, the top 10 lenders in the U.S. only control 17% of the mortgage market. That means 83% of the business is still handled by local agents, brokers, and mortgage professionals. There’s still plenty of business on the table—and Beast Mode Prospecting is how you grab it. At its core, Beast Mode isn’t about working harder. It’s about working smarter—by combining relationship-driven prospecting with the right tech stack. Your database and sphere of influence are your biggest untapped assets. These are the people who already know, like, and trust you—but only if you stay visible and valuable. Using tools like Covve to export and organize your contacts, you can plug into a CRM and start reaching out consistently using the “3 x 2” method: 3 contacts a day, 2 follow-ups per year. And when you layer in the FORD method (Family, Occupation, Recreation, Dreams), your conversations become meaningful, not salesy. But it doesn’t stop there. Beast Mode teaches you to build a referral partner network that generates consistent business—think CPAs, attorneys, investors, and business owners. Tools like LinkedIn Sales Navigator help you find them with surgical precision. And with a 12-week follow-up plan of value touches, check-ins, and personalized content, you can turn a cold connection into a warm source of referrals. Then there’s the AI layer. With predictive data tools, you can identify who’s most likely to move based on life events, online behavior, and equity position—before they even realize they’re ready. Platforms can help you target empty nesters, high-equity owners, and out-of-area landlords with relevant messaging. Combine that with AI-powered follow-up like LinkyBot.ai, and now you’ve got a system that nurtures leads automatically while you focus on conversions. One of the most overlooked opportunities? Open house lead capture. Paper sign-in sheets are dead. MoveTube offers a fully digital experience—visitors scan a QR code, enter their info, and receive a branded video follow-up on YouTube. You get notifications when they engage, and your seller sees you as a tech-forward pro. Fresh Home Loan even helps with flyers, listing trailers, and the drip campaigns to follow up. All of this is supported by the Beast Mode Tech Stack—CRM automation, dialers, email and text drips, video email tools, social ad funnels, and more. But remember, tools alone aren’t the magic. The magic happens when you combine tech with consistent prospecting. That’s where the wins happen. At Fresh Home Loan Inc., we’re more than a lender. We’re your marketing engine. We support agents with not just fast closings and competitive loan options, but also done-for-you listing content, social media posts, video walkthroughs, open house tools, and ongoing lead follow-up systems. Whether it’s a first-time buyer, a reverse mortgage, a bridge loan, or a fix-and-flip, we’ve got the products—and the partnership—to help you win. Bottom line? You don’t need to be Redfin, Rocket, or Zillow. You need the right system, the right message, and the discipline to show up. You can do everything they do—better. Right now. Let’s go get it. 📲 Schedule a strategy call or text Garrick at 510-282-5456 to activate your Beast Mode system.
When rates drop, many homeowners hear about a “no closing cost refinance.” It sounds like free money—but is it really? Let’s break it down. What Is a No Closing Cost Refinance? A no closing cost refinance allows you to refinance your mortgage using lender credits to pay for third-party closing costs. How is this done? Well, in markets where interest rates are heading down, homeowners who may have purchased or refinanced at a higher rate can refinance at a lower rate that has lender credits to cover the closing costs. We are also able to wrap the interest and other fees into the loan, so the borrower pays nothing out of pocket. Instead of paying thousands at closing, those costs are covered in one of two ways (and usually BOTH): Lender Credit – The lender gives you a higher interest rate and uses that extra margin to cover the costs. Rolled Into the Loan – The lender adds the closing costs into your new loan balance. 🏡 Mortgage Rates Are a Menu — Not One Number Most people think there’s just one mortgage rate — but really, rates are shown on a matrix (a pricing sheet lenders use). Each interest rate has a cost or credit attached to it. Higher Rate → Lender Credit (the lender gives you money to offset closing costs — this is how “no closing cost” refinances work). Lower Rate → You Pay Points (you pay extra upfront — called “discount points” — to buy the rate down and get a lower payment). 💵 Hypothetical Example — $400,000 Loan (Numbers below are for illustration only — not a rate quote or loan offer) Rate Option Upfront Cost / Credit What It Means 5.50% $0 (Par Pricing) The “standard” rate — no extra cost or lender credit. 5.75% 1% lender credit (≈$4,000 back). You get about $4,000 to help with closing costs, but pay a bit more each month. 5.25%. 1% cost (≈$4,000) You pay about $4,000 at closing to “buy down” and lower your monthly payment. 💡 Monthly Payment Impact (Approx.) 5.75% → about $133 more per month vs 5.25% 5.25% → about $133 less per month vs 5.75% 🧮 How People Use This Short-term or planning to refinance again → Pick the 5.75% “no-cost” option — you’re not out of cash and can refi if rates drop. Long-term home → Consider paying the 1% to drop the rate and save monthly. The Pros ✅ No big check to write at closing ✅ “Instant” monthly savings ✅ Great for homeowners who want quick savings, knowing if the market drops again, they can do another refinance The Cons ⚠️ Not the lowest market interest rate ⚠️ Loan balance can increase if costs are rolled in ⚠️ May not be the best long-term solution Who Should Consider It? Homeowners with interest rates about 1% or more above the current market. Borrowers who want lower monthly payments without spending money out of pocket. Anyone refinancing to drop mortgage insurance or adjust loan terms quickly. The Bottom Line “No closing cost” doesn’t mean free—it just means structured differently. The best refinance strategy depends on your financial goals, how long you’ll stay in your home, and the rate environment. 👉 Want to know if a no closing cost refinance makes sense for you? Let’s run the numbers together. 🎥 Watch on YouTube: https://www.youtube.com/watch?v=YMi7pNzKlcg 🎧 Listen on Spotify: https://open.spotify.com/episode/7giZSM4wIPZUQxLTXuK5CP Garrick Werdmuller Independent Mortgage Broker DRE BRKR 01368202 | NMLS 242952 📞 510.282.5456 | 📠 510.225.0382 ✉️ garrick@freshhomeloan.com 🌐 freshhomeloan.com 🏢 1151 Harbor Bay Parkway, Suite 136, Alameda, CA 94502 Socials: https://www.facebook.com/freshhomeloan/ https://www.instagram.com/garrickwerdmuller/ https://www.linkedin.com/in/garrick-werdmuller-b044253/ https://www.youtube.com/@FreshHomeLoan #Refinance #Mortgage #RealEstate #MortgageBroker #HomeLoans #Realtor #MortgageLender #LoanOfficer #FirstTimeHomeBuyer #HomeLoan #Finance #MortgageRates #Investment #HomeBuyers #RealEstateAgent #Loans #NewHome #Loan #Home #DreamHome #Property #Mortgages #MortgageTips #HomeOwnership #Lender #Realtors #Lending #Purchase #HomeBuying #Broker
