Why Certainty? For Fernando Perez - Certainty Home Lending, the answer has always been the people. Nearly 15 years at Certainty Home Lending have shaped an exceptional career built on consistency, leadership, and trust. Most recently, Fernando was promoted to Regional Manager, a milestone earned through dedication and results. Yet he is the first to recognize that success is never achieved alone. He credits the clients he has served, the teams he has led, and the leadership that believed in him,
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Thinking about using your home’s equity? It’s important to weigh your choices. Here’s a simple breakdown of **Cash-Out Refinance vs. HELOC** to help you decide: **Cash-Out Refinance** - Replaces your existing mortgage with a new, higher-balance loan - Provides a lump sum of cash—usually with a potentially lower interest rate - Ideal if you want to refinance for better terms and unlock equity at the same time **HELOC (Home Equity Line of Credit)** - Functions as a revolving credit line backed by
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