Craig Berry on Muck Rack

Craig Berry

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As seen in: The Mortgage Reports, Medium, The Guardian, The Independent (UK), Newsweek, Quartz, Substack, Taylor & Francis Online, The Conversation, University of Cambridge News, University of Oxford and
It's a great time to own a home. 🏡👊 🏡 Purchase | Refinance ⚖️ Equal housing lender, ID 4664 | GRMA 23190 All licensing: www.nmlsconsumeraccess.org
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Articles

Can You Use a HELOC for a Down Payment on Another Home?

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By Craig Berry
| The Mortgage Reports
Key Takeaways Though unorthodox, HELOCs can be used for a down payment Tapping your equity could help you assemble enough to avoid PMI A personal loan could make a good alternative option HELOC: Most homeowners don’t use them for this A home equity line of credit (HELOC) works great for home improvement projects or to consolidate debt. But most homeowners never use them to make a down payment on another home purchase.
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Property Tax Exemption for Senior

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By Craig Berry
| The Mortgage Reports
Key Takeaways Many states offer tax relief to homeowners age 61 to 65 and older, helping offset rising property taxes for seniors on fixed incomes. Age, income limits, and residency requirements differ by location, and seniors usually must apply on their own to receive the benefit. Deadlines and exemption amounts vary by state and county, so researching local programs each year can help maximize savings.
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Best Refinance Options for Seniors

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By Craig Berry
| The Mortgage Reports
Key Takeaways Seniors can refinance at any age if they meet income, credit, and equity requirements. Refinancing can lower monthly payments, access cash, or simplify debt in retirement. The best option depends on financial goals, loan type, and how long you plan to stay in your home. Yes, seniors can refinance their homes. Age alone is not a barrier. What matters more is income, credit, and home equity.
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