Michael F. Bischof at Guaranteed Rate NMLS #152124

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

09/27/2023

When buying a home, it matters how quickly you can get a mortgage and close the deal. Find out how fast you can get approved for a mortgage from Guaranteed Rate: http://ms.spr.ly/61839ldxH

09/26/2023

Dreams of buying a home, but nightmares of what the market might look like? With a little planning ahead, and a whole slew of loan options to offer, we can help you reach your goal: http://ms.spr.ly/61899Y0jz

09/25/2023

09/23/2023

As the leaves start to change and the air gets crisp, we welcome the ! Just like the changing of seasons, it may be time for you to make a change in your mortgage situation. Whether you're looking to refinance or purchase a new home, now is a great time to explore your options: http://ms.spr.ly/61869ckno
Contact me today to learn more!🍂🏠

09/21/2023

Today, on , let us unite in promoting harmony and goodwill among all nations and people. Guaranteed Rate believes in the power of peace, starting from our own homes. Together, let's build a world filled with love, kindness and abundance.

09/20/2023

Is there a market comeback on the horizon? Here are the economic indicators to keep an eye on for signs that the market is returning to some semblance of normal: http://ms.spr.ly/6181994vF

09/13/2023

Local expertise from agents, loan officers and more cannot be beat. When making the biggest financial decision of your life, get the best information from experts who live and work where YOU want to live and work: http://ms.spr.ly/61829eRTo

09/12/2023

Unlock the journey to your dream home! Get all the information you need from clear to close to the celebratory loan funding moment: http://ms.spr.ly/61819dIyv