Six connected services that help you borrow wisely, protect what you own and grow what you keep.
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Fixed rateFixed-rate personal loans from $5,000 to $75,000 for renovations, medical bills, weddings or consolidating higher-cost debt, with one predictable monthly payment.
Revolving creditFlexible lines of credit and credit-builder loans that give you access to funds when you need them and help you raise your score along the way.
Home & equityPurchase mortgages, refinancing, home equity loans and HELOCs, structured around your budget so you can buy, improve or unlock the value in your home.
Long-term growthGoal-based investment plans that balance paying down debt with building wealth, from retirement accounts to diversified portfolios.
Keep moreYear-round tax planning for households and small businesses, including mortgage interest deductions, investment taxes and quarterly estimates.
ProtectionLife, disability, homeowners and mortgage protection coverage that keeps your family and your home secure if the unexpected happens.
01 / 06A personal loan gives you a lump sum up front and a fixed payment that never changes, which makes it one of the simplest ways to fund a large expense. We compare offers from our lending partners so you can see the rate, the term and the total cost side by side before you commit.
Our advisors also look at whether a personal loan is the right tool at all. If you own a home with meaningful equity, a home equity loan may cost less; if the need is small and short, a 0% card offer might be better. You get the honest comparison either way.
02 / 06A credit loan works like a safety net: you are approved for a limit, draw funds when needed and pay interest only on what you use. It suits uneven expenses such as business inventory, tuition installments or home repairs that arrive in stages.
If your credit history is short or bruised, we start with a free score review and a credit-builder plan. Small, on-time payments reported to the bureaus can lift your score within months and open the door to lower rates on future borrowing.
03 / 06Home equity is our specialty. Whether you are buying your first place in the Bay Area, refinancing to a lower rate or tapping equity for a remodel, we map out every option with real numbers: rate, closing costs, monthly payment and break-even point.
We work with conventional, FHA, VA and jumbo lenders, and we explain how loan-to-value limits, rate locks and points affect your offer. You will always know what you are signing and why it fits your plans.
04 / 06Borrowing and investing are two sides of the same balance sheet. Our planners help you decide when to pay down a loan faster and when the money works harder invested, using your rates, tax bracket and time horizon rather than rules of thumb.
From there we build a written plan: how much to save, which accounts to use first, how to diversify and when to rebalance. Progress reviews keep the plan current as your income, family and goals change.
05 / 06Loans and taxes are closely linked. Interest on a home equity loan used to improve your home may be deductible, while the same loan used for a car is not. Our tax advisors make sure your borrowing decisions are made with the tax effect in view.
We also help with the bigger picture: capital gains, retirement contributions, business deductions and quarterly payments for freelancers. You get a clear calendar of what to pay and when, so April holds no surprises.
06 / 06A loan is a promise that outlasts good luck. The right insurance makes sure your mortgage and other debts can still be paid if illness, injury or loss interrupts your income, and that your family keeps the home you worked for.
We shop several carriers and right-size coverage to your balances and goals, so you are not paying for more than you need. Policies are reviewed whenever you refinance, move or take on a new loan.
Usually two recent pay stubs, two years of W-2s or tax returns, recent bank statements and a photo ID. For home equity loans we also need your latest mortgage statement and homeowners insurance declaration.
Many of our lenders work with scores from 620 upward, and the best rates typically start around 740. If your score is lower, our credit loan team can build a plan to raise it.
Yes, and most clients do. A refinance is a natural time to review insurance and taxes, and a wealth plan often starts with deciding which debts to pay off first.
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