Starboard Financial

A HELOC (Home Equity Line of Credit) may allow qualified homeowners to tap into their home equity to help finance projects like:
✔️ Pools
✔️ Backyard renovations
✔️ Landscaping
✔️ Outdoor kitchens
✔️ Home improvements

So how does it work?

1️⃣ Review your home equity
We’ll help determine how much equity may be available based on your home’s value and current mortgage balance.

2️⃣ Explore HELOC options
We’ll review rates, payment structure, and what may fit your goals best.

3️⃣ Submit documents
Typically things like income, mortgage statements, and homeowner information.

4️⃣ Appraisal & approval
Some HELOCs may require an appraisal to confirm value.

5️⃣ Access your funds
Once approved, you can begin using the funds for your pool project and improvements.

At Starboard Financial, we help homeowners understand their options clearly and guide them through the process step-by-step.

📩 DM us “POOL” to see if a HELOC may work for your project.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com

💔 Going through a divorce or separation and wondering what happens to the house?

You’re not alone, and you don’t have to navigate it by yourself. 🏡

For many homeowners, refinancing may be one option to:
✔️ Keep the home
✔️ Access equity
✔️ Remove a spouse from the mortgage
✔️ Create a fresh financial start

At Starboard Financial, we understand these conversations can feel emotional and overwhelming. That’s why we focus on providing calm, clear guidance every step of the way — without pressure.

We’ve helped homeowners through difficult life transitions before, and our goal is simple:
Help you understand your options so you can move forward with confidence. 🌵

Every situation is unique, and we’re here to help you review what may make the most sense for your next chapter.

📩 DM us “REFI” for a private mortgage review.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠

One of the biggest myths in homebuying is thinking you need a perfect 800 credit score to buy a home. 💡

The truth?

Many loan programs may allow qualified buyers to purchase with scores much lower than people expect.

Depending on the program, buyers may qualify with:
✔️ FHA loans — sometimes starting around 580+
✔️ Conventional loans — often 620+
✔️ VA & USDA options — flexible depending on the situation

But here’s the important part 👇
Your credit score is only ONE piece of the puzzle.

Lenders also look at:
💰 Income
📉 Debt-to-income ratio
🏦 Savings/assets
📄 Employment history
🏡 Loan program type

The best first step isn’t guessing — it’s having a conversation and building a strategy. 🌵

📩 DM us “SCORE” to see what options may be available for you.
📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠

Yes — depending on your situation, refinancing could help you put your home’s equity to work. 👇

✅ Homeowners may refinance to:
• Consolidate high-interest debt
• Pay off credit cards or loans
• Fund home improvements
• Create more monthly cash flow
• Simplify finances into one payment

🏡 If your home has built equity, there may be options available.

💡 The key is making sure the numbers make sense for your goals — not just moving debt around.

📍Gilbert, Arizona
⭐️
📞 1-855-782-7346
💻 www.starboardfinancial.com
🏠
📩 DM “EQUITY” and let’s talk through your options.