Fontenot MortgageOdette Fontenot · Mortgage broker
(504) 555-0148

The loans

The maths

Odette

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Including out of a bridge

Refinance & cash-out

Lower the rate, take equity out for the business, or get off a hard-money loan before the term runs out.

A front porch with rocking chairs and a painted wooden door.
01Who this is for
  • Owners on a bridge or hard-money loan with a term date approaching
  • Anyone who bought on a non-QM rate and whose paperwork has since improved
  • Business owners who want to take equity out of a house rather than sign a personal guarantee
02What it needs from you
  • The current note and payoff figure
  • Whatever income documents your chosen route needs — statements, P&L, or returns
  • Current insurance, tax bill and any association dues
  • For cash-out, a plain statement of what the money is for
03What it costs you — the honest part
  • Costs are real. If the break-even is longer than you plan to hold, do not do it.
  • Cash-out prices worse than rate-and-term, and worse again on an investment property.
  • Rolling costs into the balance hides them; it does not remove them.
04How a file like this moves

  1. Write down why

    Rate, term, cash, or getting off a bridge. Each one points at a different loan and they are not interchangeable.

  2. Get the real cost sheet

    Not an estimate of the rate. The costs, in dollars, before you decide.

  3. Divide

    Costs over monthly saving is the break-even in months. Compare it to how long you are staying and the answer is usually obvious.

Ask Odette

Tell me what you are working with

Every field is optional except a name and one way to reach you. I would rather have four honest sentences than a completed form.

One of email or telephone is enough.

Nothing is sent. This demonstration has no backend, no database and no email service. Pressing the button validates the form and shows you the thank-you state, and that is all it does. Nobody will call. There is no consent box here because there is nothing to consent to.

The next step

One person reads this. That person is me.

Tell me roughly how you get paid and what you are trying to buy. No documents, no application, no credit pull to have the first conversation.

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