Generations Home Loans

You've spent years doing the right things — and that discipline opens doors.

A HELOC isn't just for renovations or investments. For some homeowners, it's what makes a long-held dream possible: that once-in-a-lifetime event, a child's education, debt consolidation. When evaluating your future plans, your home equity may be one resource that helps you do that thing you've told yourself you'd do "someday."

Your equity is real, it's yours, and there are smart ways to put it to work. Connect with a GHL Mortgage Advisor by following the link in our bio to see how they can help you make your dreams possible.

A HELOC is secured by your home and subject to approval, so it's important to consider the costs, risks, and repayment obligations before borrowing.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

The equity in your home can do more than sit there.

Looking to invest — in another property, real estate, or a new opportunity? A HELOC lets you access your home's built-up value without selling or refinancing. According to data from ICE Mortgage Technology and the Federal Reserve Bank of New York, U.S. homeowners now hold nearly $17 trillion in home equity, with $11 trillion available to borrow against — and HELOC balances have climbed for 16 straight quarters, hitting $446 billion in early 2026.

Used strategically with your financial and tax advisors, a HELOC may be one financing option to consider when evaluating broader financial goals. Connect with a GHL Mortgage Advisor through the link in our bio to learn more.

A HELOC is secured by your home and subject to approval, so it's important to consider the costs, risks, and repayment obligations before borrowing.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

One of your home's greatest assets may be the equity you've built.

That kitchen redo. The addition your family needs. The outdoor space you've been dreaming about. A HELOC lets you use the equity you've already built to fund the upgrades that make your home work better for how you live now — and HELOC interest may even be tax-deductible when used for substantial home improvements (ask your tax pro).

Your equity may already be ready when you are. Read more on our websites Industry News & Blog and connect with a GHL Mortgage Advisor to learn what a HELOC can do for you. Follow the link in our bio.

A HELOC is secured by your home and subject to approval, so it's important to consider the costs, risks, and repayment obligations before borrowing.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

Your home has value. So does your equity.

If you've been paying your mortgage and watching your property value grow, you may have more financial flexibility than you think. A HELOC lets you tap into a portion of that equity — without selling or refinancing. Borrow what you need, pay interest only on what you use, and access it again as you repay during the draw period.

A GHL Mortgage Advisor can walk you through your options. 👉 Read more on our website’s Industry News & Blog to see if a HELOC is right for you, follow the link in our bio.

A HELOC is secured by your home and subject to approval, so it's important to consider the costs, risks, and repayment obligations before borrowing.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

There’s no single number that tells the whole story.

Buyers often assume there’s one credit score they need to qualify for a mortgage. The answer is more nuanced. A credit score does not determine a buyer’s path to financing. Starting the conversation early can uncover possibilities for buyers and guide the home search toward homes within reach.

Find your GHL Mortgage Advisor to review your financial profile and explain what your credit means for your options. Follow the link in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more:
https://generationshomeloans.com/

Join us in welcoming our newest GHL Mortgage Advisors.

Jessica Cross is licensed in both Oregon and Washington. Growing up in the Pacific Northwest and working for 6 years in the mortgage industry, Jessica has gained a deep understanding of her community and market. She brings a well-rounded perspective to every transaction from start to finish.

Martine Frey is licensed in both California and Texas. She is a proud graduate of CSU, Chico and a current California resident. With 5 years of hands-on experience in the mortgage industry, Martine has built a client-centered reputation that makes the lending process feel approachable and empowering.

Find out more about our newest advisors by following our website linked in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

People Come First, Every Time.

We believe homeownership works best when people come first. That’s why our expert advisors have a personalized approach and a disciplined process so every step of your lending journey is informed and guided by experience.

Follow the GHL website linked in our Bio to learn more and connect with a GHL Advisor today.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

The answer depends on more than today’s market.

Mortgage rates make headlines, but the rate you qualify for is personal. A GHL Mortgage Advisor can evaluate the full financial picture, explain how different loan options affect rate and cost, and provide current information based on the buyer’s specific scenario. Published rates are only a starting point. The rate that counts is the one based on the buyer.

Read more about qualification for mortgage rates on our FAQ page by following the link in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

The Way Home - From Offer to Keys

Once your offer is accepted, the real work begins, and it happens largely behind the scenes.

GHL’s Express Underwriting commitment refines underwriting, and is a standard we hold ourselves to, because preparation is what separates a rushed closing from a reliable one. It's a transaction and a milestone in a journey toward equity, stability, and the feeling of finally being home.

Welcome to homeownership. From your first mortgage to a second home, you’ll always have a trusted resource.

Connect with a GHL Expert and learn more about our Express Underwriting commitment by following our website link in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/

Before You Search, Get Certified.

Not all pre-approvals are created equal. Every successful purchase begins before the search. At Generations Home Loans, we believe preparation is what separates buyers who compete from buyers who win. GHL’s Certified Buyers program is a pre-approval process built to move at the speed of the market, positioning you to make a compelling offer the moment you find the one. From there, you're ready to search with confidence, backed by a team that's already behind you.

Start your Certified Home Buyer process today by following the GHL website linked in our bio.

Generations Home Loans | NMLS #252939 | www.GenHL.com/legal | nmlsconsumeraccess.org | Equal Housing Opportunity

Learn more: https://generationshomeloans.com/