About this Guide
Minimize your home’s financing costs
When we list our home’s benefits, equity may not be at the top. Even so, it’s one of the greats because it gives us options. Financing counterbalances equity. Increased financing decreases equity as does financing costs.
Beyond interest rate, quantifying a loan’s total costs creates a dizzying array of trade-offs. With your Playbook : Guide to Refinance Your Home, simplify the myriad of trade-offs you will face. Start with your scenario and go from there.
- Your income is stable, interest rates are dropping & family needs growing.
- Your home’s value has grown and you want to consolidate auto loans & credit cards.
- You have an opportunity to purchase an investment property, etc.
Karen Van Ness
Realtor CA DRE# 01354837
46 years in Real Estate
Call or Text 858-699-6409
Ray Broemmelsiek
Realtor CA DRE# 01943093
HomeToHome Creator
Finance Your Home
HOME PLAN
Minimize Your Home’s Financing Costs
ChatGPT Plus required
DEMO AGENT SERVICE PLAN
From your Toolbox
Selected tools for your Guide
Follow Your Lender’s Plan
Choose Your Loan
Close Your Transaction
Share Your Success
AI INSIDE
Meet your AI Service Team
In your Service Plan & at your service
Al Ethics Advisor
I help you manage risk & compliance oversight, from Lead to Client for Life.
AI Ethics Advisor Video Guide (included)
Al Forms Librarian
I’m the Librarian of Forms & Fields to help you with any forms.
AI Forms Librarian Guide (included)
Al Purchase Agreement Specialist
I am at your service to provide expertise in the Residential Purchase Agreement.
AI Purchase Agreement Video Guide (included)
Meet your Agent’s AI Marketing Hub
In your Service Plan & at your service
Transparent Agent Service
When stakes are high, trust & verify. Know what’s happening at each step.
Video Guide (included)
The List Maker
The Al-Powered Listings Prospector to Make Hotspot Homeowner Lists and Connect.
AI Listmaker Video Guide (included)
AI Marketing Shaman
Let me help you with your favorite social media channels, email, & KVCore.
AI Marketing Shaman Video Guide (included)
Meet your Agent’s Support Services Team
In your Service Plan & at your service
Al Sales & Negotiating Coach
I’m here to help you successfully negotiate your transactions.
AI Sales & Negotiating Video Guide (included)
Al Transaction Coordinator Plan
AI Powered TC Plan to boost your compliance & timeliness.
AI TC Video Guide (included)
Client Care Specialist Plan
AI Powered Plan for your VA’s to boost your Client Care.
AI Client Care Video Guide (included)
The Proof with the Promise
“74% of people say they would use their real estate agent again, but only 26% do.”
National Association of Realtors (NAR)
Complementary HomeToHome for Buyers & Sellers
Still Not Sure?
Try a free Home To Home.
Take it for a long Test Drive.
Create your (very short) profile so we can deliver the best experience to you.
If you are not completely convinced that your Home To Home will :
1. Increase your opportunities to save money
2. Empower your negotiating
3. Improve your final results
It won’t cost you a penny and we part as friends.
Sound fair? If so, push the button and let’s go for a spin.
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IMPORTANT : Please read the Disclaimer.