https://shawnwaymortgage.com/2026-11-01https://shawnwaymortgage.com/media/headshot-studio-portrait-1204x1350.webp https://shawnwaymortgage.com/about/2026-11-01https://shawnwaymortgage.com/media/headshot-studio-portrait-1204x1350.webp https://shawnwaymortgage.com/reviews/2026-11-01 https://shawnwaymortgage.com/licensing/2026-11-01 https://shawnwaymortgage.com/press/2026-11-01 https://shawnwaymortgage.com/contact/2026-11-01https://shawnwaymortgage.com/media/headshot-studio-portrait-1204x1350.webp https://shawnwaymortgage.com/home-equity/2026-11-01 https://shawnwaymortgage.com/mortgage/2026-11-01 https://shawnwaymortgage.com/answers/2026-11-01 https://shawnwaymortgage.com/answers/heloc-for-an-adu/2026-11-01 https://shawnwaymortgage.com/answers/heloc-for-home-renovation/2026-11-01 https://shawnwaymortgage.com/answers/using-equity-with-a-low-mortgage-rate/2026-11-01https://shawnwaymortgage.com/media/borrower-05-every-lender-said-no-the-heloc-that-worked.webpShawn describes preserving a borrower’s existing first mortgageShawn recounts one historical HELOC transaction for a borrower who wanted to preserve a 2.75% first mortgage. The outcome is not a guarantee for another borrower.https://shawnwaymortgage.com/media/borrower-05-every-lender-said-no-the-heloc-that-worked.mp442https://shawnwaymortgage.com/media/borrower-03-credit-card-debt-versus-a-low-mortgage-rate.webpShawn on credit card debt and a low mortgage rateIn a short interview, Shawn describes how higher prices and credit card interest rates have pushed some homeowners to borrow against their equity to pay down card balances.https://shawnwaymortgage.com/media/borrower-03-credit-card-debt-versus-a-low-mortgage-rate.mp454 https://shawnwaymortgage.com/answers/heloc-vs-cash-out/2026-11-01https://shawnwaymortgage.com/media/borrower-04-office-floor-heloc-versus-cash-out.webpShawn on the office floor: comparing HELOC and cash-outAn office-floor conversation about comparing a HELOC and a cash-out refinance for debt consolidation. The surrounding guide explains repayment and rate risks.https://shawnwaymortgage.com/media/borrower-04-office-floor-heloc-versus-cash-out.mp452 https://shawnwaymortgage.com/answers/fixed-rate-heloc-options/2026-11-01 https://shawnwaymortgage.com/answers/heloc-for-debt-consolidation/2026-11-01 https://shawnwaymortgage.com/answers/how-to-compare-loan-estimates/2026-11-01 https://shawnwaymortgage.com/answers/mortgage-closing-costs/2026-11-01 https://shawnwaymortgage.com/answers/should-i-pay-points/2026-11-01https://shawnwaymortgage.com/media/borrower-01-discount-points-worked-out-on-paper.webpPart one: Shawn works out the points exampleShawn works through a historical discount-points example on paper, comparing the upfront cost with a lower principal-and-interest payment.https://shawnwaymortgage.com/media/borrower-01-discount-points-worked-out-on-paper.mp476https://shawnwaymortgage.com/media/borrower-02-discount-points-why-i-usually-say-no.webpPart two: the holding period and lender-credit comparisonShawn explains how the expected holding period and a possible refinance affect a points decision, then discusses lender credits.https://shawnwaymortgage.com/media/borrower-02-discount-points-why-i-usually-say-no.mp477 https://shawnwaymortgage.com/answers/what-is-a-par-rate/2026-11-01 https://shawnwaymortgage.com/answers/is-refinancing-worth-it/2026-11-01 https://shawnwaymortgage.com/answers/how-long-does-it-take-to-close/2026-11-01 https://shawnwaymortgage.com/answers/how-much-house-can-i-afford/2026-11-01 https://shawnwaymortgage.com/answers/prequalification-vs-preapproval/2026-11-01 https://shawnwaymortgage.com/answers/prepare-for-first-mortgage-conversation/2026-11-01 https://shawnwaymortgage.com/mortgage/been-told-no/2026-11-01https://shawnwaymortgage.com/media/borrower-05-every-lender-said-no-the-heloc-that-worked.webpShawn describes preserving a borrower’s existing first mortgageShawn recounts one historical HELOC transaction for a borrower who wanted to preserve a 2.75% first mortgage. The outcome is not a guarantee for another borrower.https://shawnwaymortgage.com/media/borrower-05-every-lender-said-no-the-heloc-that-worked.mp442 https://shawnwaymortgage.com/answers/self-employed-mortgage-income/2026-11-01 https://shawnwaymortgage.com/answers/bank-statement-loans/2026-11-01 https://shawnwaymortgage.com/answers/dscr-vs-conventional-investment-loan/2026-11-01 https://shawnwaymortgage.com/answers/fha-vs-conventional/2026-11-01 https://shawnwaymortgage.com/answers/va-home-loans/2026-11-01 https://shawnwaymortgage.com/answers/jumbo-loans/2026-11-01 https://shawnwaymortgage.com/answers/mortgage-broker-vs-bank/2026-11-01 https://shawnwaymortgage.com/loan-officers/2026-11-01 https://shawnwaymortgage.com/loan-officers/lessons/2026-11-01 https://shawnwaymortgage.com/loan-officers/inside-the-playbook/2026-11-01 https://shawnwaymortgage.com/loan-officers/building-the-team/2026-11-01 https://shawnwaymortgage.com/editorial-policy/2026-11-01 https://shawnwaymortgage.com/privacy/2026-11-01