A HELOC is a line of credit that is secured by your home, giving you a revolving credit line to use at your will. It can be used for large purchases such as renovations, tuition, or emergency expenses.
Home Equity Loan
Similar to a cash out refinance, a home equity loan will provide you with a lump sum of cash. It acts as a 2nd mortgage, where a cash out refinance transforms your first mortgage into a completely new mortgage.
Home Equity FixLine Loan
A fixed-rate line of credit that lasts the life of the loan, giving you flexibility to borrow, repay, and borrow again. Monthly payments adjust based on your outstanding balance.
"Great experience. Always available and very patient. Went above and beyond. Looking forward to work… Read Moreing with him again!’" Read Less
"Positive: Professionalism, Quality, Responsiveness, Value
Tristan was very helpful with all my refi… Read Morenancing questions. His assistant Janice was very helpful as well. His team is organize and efficient. I liked how Tristan also kept an eye out on my home value to loan ratio. I will always be going to Tristan for all my home loan needs!" Read Less
"I recently refinanced my home through Tristan and he made it the smoothest, easiest transaction I’ve… Read More ever had! He was knowledgeable, reliable, and extremely professional. I would highly recommend him!" Read Less
"When my family was ready to move up in our home, I was dreading the interview process of Real Estate… Read More agents. I needed to Sell my Clairemont Home and Purchase a new home in our Favorite area, Bay Park. I count myself lucky when a Business associate, that I trust, referred me to Tristan and His 1San Diego Homes Team. I met with Tristan, I was impressed with his business practices, His No Nonsense approach, and hired him on the spot. He immediately got to work, Planning the sequence of events that was most beneficial to my Family’s needs. Tristan Negotiated a great deal on our Bay Park Home purchase, and as an added benefit, His team was able to Provide Mortgage Lending options as well. He provided us with a Loan Pre-approval within hours and was able to write an offer the same day. This went a long way in convincing the Sellers how serious of Buyers we were. Tristan shared with us ways of making our offer stronger without increasing our offer price and it worked. At the same time this was occurring, Tristan and His Team were preparing my Clairemont Home for sale. Because our Home was built in the 1950’s, Tristan Recommended a Pre-Sale Home Inspection. This was well worth the money. This exposed a few issues that were easily resolved before we went to market. Tristan made this inspection available to the potential buyers as to demonstrate the excellent condition our house was in. Our Home was only on the market for 3 days before the offers started rolling in. We accepted a Full Price offer 4 days in, and enjoyed an easy sale. All parties walked away happy and the buyers got a great home for their family. I highly recommend Tristan and the his 1 San Diego Homes Team, I couldn’t be happier with their performance. Tristan regularly stays in touch with us and now I feel I have someone in my corner to advise me on everything Real Estate.
Robert Veronneau
President Hammerhead aviation" Read Less
"ristan was great to work with, he was able to show properties whenever was convenient for me and onc… Read Moree we decided to make an offer, it was very smooth. Once we had an accepted offer he made a stressful process as easy as it could be. I would recommend Tristan to anyone looking for a good, no hassle, easy to work with Realtor." Read Less
"Tristan was an excellent agent. Our experience was prolonged and we were quite picky with what we w… Read Moreanted. I was impressed with Tristan's availability and his patience as we looked at several houses. He was able to expedite out buying and selling process to get us in/out quickly." Read Less
"Tristan Smith was wonderful to work with on the sale of our home. He is professional, listens and g… Read Moreuides you to where you need to be. He is honest with his feedback so there are no surprises later on. The market is a bit tough right now, but we believe we wouldn’t have sold at the price we did if we worked with another realtor. We highly recommend Tristan, he was a pleasure to work with." Read Less
"Our home buying experience with Tristan Smith was amazing. The market right now is very fast and we … Read Moremade sure to get into the open house immediately and Tristan was able to get us in before the open hose in most cases which was helpful in getting our offer in immediately. Not only did Tristan explain the process very well he helped us make well thought out offers and ultimately got us our dream home that checked every box." Read Less
"Tristan is hands down one of the most honest, patient, kind, understanding, knowledgeable Agent/Brok… Read Moreer’s in this industry. I’ve been working with him for about 6 years now with multiple Real Estate and Refinance Transactions. Purchasing or refinancing property requires thoroughness and can be overwhelming each time. Tristan has always taken the time to break it down in simple terms and quell my impatient anxiety when it comes to big decisions like purchasing and refinancing on each home acquired. I absolutely trust he has my best interest as a client at heart and this is why he’s my go to each and every single time. Thank you for all that you do Tristan, building this real estate empire one deal at a time!" Read Less
"We had tried to sell our home about 6 mos prior to signing with Tristan and did not have a good expe… Read Morerience. Once we signed with Tristan, the transaction was much smoother and the house sold quickly. We were not in town very much during the escrow of our property and Tristan had to step in and take care of so many details that we just couldn't do from afar. We really appreciate him keeping us updated and really making the whole selling experience easy for us. Thanks so much, Tristan!" Read Less
