Nick Adey at Guaranteed Rate NMLS# 836894

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.

05/20/2026

Ignite 2026 was a huge success

08/02/2024

Happy Aloha Friday! We are here and ready to help those in need of mortgage lending all weekend!

07/07/2023

Thinking of moving to Hawaii, or already here on island and looking to buy? I would love to offer a customized game plan for your current financial situation!!

10/24/2022

Typically, the spring homebuying season is the busiest with more buyers, driving up home prices. So, buying outside of the traditional hot season can work to your advantage.
http://ms.spr.ly/6180dZu1i

10/24/2022

10/22/2022

Mortgage rates have shown some extreme volatility over the last few months. We dig into what’s behind this rollercoaster ride and how can you get a mortgage without feeling queasy. http://ms.spr.ly/6184dXi7E

10/21/2022

Since the Fed started tracking the Median Sales Price of homes, as of 1963 home values have - for the most part - steadily increased. And that’s through seven of the eight recessions. So if you’re waiting to buy when rates go down, what will you be missing out on as home values rise?
Learn more today: http://ms.spr.ly/6183dnIhX

10/20/2022

Existing-home sales were down slightly to 1.5% in September, the second month in a row of modest declines. Will those numbers turn around soon? http://ms.spr.ly/6180dnJDp

10/18/2022

Yes, you can become a homeowner in today’s economy. You just need the guidance and support of a top Loan Officer. And I’m proud to work for a company that has more than any other lender.
Let's chat: http://ms.spr.ly/6184dTmQu

10/17/2022

There are many differences between lenders beyond the rate they are willing to quote you, and these differences could significantly affect your homebuying experience.
Learn more: http://ms.spr.ly/6187drxxl