A Palo Alto team of loan officers, planners and tax advisors who believe borrowing should make your life bigger, not heavier.
Equity Wave Loan opened in 2008, at the height of the mortgage crisis, with a simple idea: every borrower deserves an advisor who explains the full cost of a loan and puts their long-term interest first.
Today our team of 24 serves families, first-time buyers and small business owners across Silicon Valley. We compare offers from more than 30 lenders and pair every loan with tax, insurance and investment guidance, so your borrowing supports the life you are building.
See What We Do →Every fee, rate and trade-off is written down in plain English before you decide.
We disclose how we are paid and recommend no loan at all when that is the better answer.
Fast answers, quick closings and proactive alerts when rates move in your favor.
We volunteer with local financial literacy programs and first-time buyer workshops.
Two loan officers and one promise: explain everything.
CPAs joined the team to connect every loan to its tax impact.
Full-picture planning for families balancing debt and investing.
More than 3,600 families served with a 4.9 out of 5 rating.
We help people use credit and home equity deliberately, at the lowest sensible cost, as part of a plan that builds lasting wealth.
We want every family in our community to understand their options as clearly as the lender does, before they ever sign.
Visit us at 2103 El Camino Real, Palo Alto, CA 94306, USA or book a video call.
Join Bay Area homeowners and borrowers who get plain-English updates from our advisors.