| Focus | A homeowner decision |
| Review | Lender requirements apply |
Find the problem you want to solve
Is the issue an approaching repayment date, a different desired structure, or a request for additional funds? These are different goals. Start with the current balance, agreement dates, and payment terms so a broker can discuss the right question.
Compare the old and new obligations
Put current payoff, any closure charges, proposed fees, new term, and remaining balance on one sheet. A fresh draw period may also extend the time you carry debt. Compare both the expected monthly payment and the cost over the period you actually plan to keep the borrowing.
Keep servicing and new credit separate
Stonehaven can review a HELOC refinancing request, but does not become the servicer of your current account by receiving an inquiry. Contact the current lender for account questions or an upcoming payment you cannot manage. A new loan remains subject to approval.
Prepare the next conversation
Use the home equity planning worksheet to organize your assumptions. Leave anything you do not know blank for discussion. The worksheet does not check eligibility or obtain a lender offer. You can request a broker conversation when you are ready to review your estimated home value, mortgage balance, and requested amount. Do not send account numbers or financial documents through a public inquiry form.
Read the source guidance. Provider examples describe that provider only. This guide is educational. A home-secured loan puts the property at risk if repayment fails. Program availability, documentation, costs, and approval depend on the lender and your circumstances.