Bryce Sztary Mortgage Broker NMLS 1594419

09/15/2026

🏡 Need cash from your home equity… but DON’T want to give up your current mortgage rate?

This is a conversation I’m having with more homeowners lately.

Maybe you bought or refinanced when rates were much lower, and now you’ve built up a significant amount of equity. You need access to some of that money, but doing a cash-out refinance would mean replacing your entire first mortgage with a new loan at today’s rate.

That’s where a HELOC — Home Equity Line of Credit — may make a lot more sense.

A HELOC can allow you to keep your existing first mortgage exactly where it is while opening a separate line of credit against the available equity in your home. Unlike a traditional cash-out refinance, you aren't necessarily refinancing your entire existing balance just to access additional funds.

What can homeowners use the money for?

• Home renovations or repairs
• Paying off higher-interest debt
• Major purchases or unexpected expenses
• Education expenses
• Access to cash for other financial needs

And because it's a line of credit, you can generally draw funds as you need them rather than taking the entire available amount at once. Keep in mind that HELOCs commonly have variable rates, so the rate and payment can change over time.

Here’s why the comparison matters:

If you owe $300,000 at a great rate and only need $50,000, refinancing the entire $300,000 mortgage to access $50,000 may not be the best move.

Instead, we can look at whether it makes more sense to:

KEEP the rate you already have.
KEEP your existing first mortgage.
ACCESS only the equity you need.

The HELOC program I'm offering can provide access to substantial equity, with flexible term and lien-position options, and the program materials indicate closings can occur in as few as 5 days, subject to qualification and program requirements.

One important note: a HELOC isn't automatically the right answer for everyone. Sometimes a cash-out refinance makes more sense. Sometimes a HELOC does. The goal is to compare the total payment, rate, amount of cash needed, existing mortgage terms, and long-term cost before deciding.

If you've been thinking:

“I could really use some of the equity in my house, but there is NO WAY I'm giving up my current mortgage rate…”

📲 Message me. That is exactly the type of scenario we should be looking at.

I can run the numbers both ways — Cash-Out Refinance vs. HELOC — and show you which option makes the most financial sense for your situation.

Bryce Sztary | Mortgage Loan Originator
NMLS #1594419
📱 740-238-0664
Ultimate Mortgage Brokers, LLC | NMLS #2619461
Equal Housing Opportunity

Loan approval and terms are subject to underwriting guidelines, credit approval, property eligibility and program requirements. HELOCs may have variable rates and payments.

09/04/2026

Friday Reflection

This week was a good reminder that momentum comes from showing up every day.

A few new conversations.
New Realtor connections.
New buyers and refinances in the pipeline.
And plenty of problems to solve along the way.

That’s mortgage lending.

Not every file is easy. Not every client fits perfectly into a box. Sometimes the difference is having someone willing to dig into the scenario, find another option, and keep working the problem.

As I wrap up this week, I’m grateful for every client who trusts me with their financing and every Realtor and referral partner who gives me an opportunity to help their people.

Next week, we keep building. 📈

If you have:

🏡 A buyer who needs financing
🔄 A homeowner wondering if refinancing makes sense
🤝 A Realtor looking for a responsive lending partner
💰 An investor trying to finance their next property
🔑 Or simply a mortgage scenario you’re not sure what to do with...

Send it my way. Let’s see what we can figure out.

Have a great weekend!

📧 [email protected]
📱 740-238-0664

Send a message to learn more

09/02/2026

🐪 HUMPDAY MORTGAGE UPDATE — WE’RE MOVING! 🏡

It’s only Wednesday, and we already have some exciting things happening for our clients:

✅ 2 refinances in the pipeline — helping homeowners restructure debt, lower monthly expenses, and potentially save thousands of dollars.

✅ 1 purchase under contract — helping another buyer get one step closer to the keys 🔑

✅ A Buy Now, Sell Later opportunity in the works — giving a homeowner the ability to make their move before their current home sells, instead of putting their plans on hold waiting for the perfect timing.

That last one is HUGE.

One of the biggest problems homeowners face is:

“I found the house I want… but I have to sell mine first.”

That can mean contingencies, missed opportunities, rushed decisions, or watching another buyer get the home.

Programs like Buy Now, Sell Later can completely change that conversation.

And for current homeowners, a refinance isn’t always just about chasing a lower rate. Sometimes the real win is:

💰 Paying off high-payment debt
📉 Improving monthly cash flow
🏠 Accessing equity for home improvements
💳 Consolidating multiple payments into one
📈 Creating some breathing room in the monthly budget

Every situation is different — which is exactly why I’d rather run the numbers than tell someone they should or shouldn’t do something based on headlines.

Whether you’re looking to buy, refinance, move before you sell, or you’re a Realtor trying to find another solution for a client, send me a message.

There may be more options available than you think.

Let’s keep the momentum rolling into the second half of the week. 🚀

08/30/2026

🏡 Sunday Reset

Weekend = recharged.
Tomorrow = back to work. 💪

I’m heading into this week ready to help buyers, homeowners, Realtors, and investors make some moves.

🏡 Thinking about buying? Let’s see what you qualify for.

💰 Wondering if refinancing could improve your situation? Let’s run the numbers.

🔑 Realtor with a buyer who needs a second look or a creative financing solution? Send them my way.

📈 Investor working on the next property? Let’s talk financing.

And if you’re not ready today, that’s okay too. Sometimes the best thing we can do is put together a plan so you know exactly what needs to happen next.

New week. New opportunities. Let’s get after it.

📧 [email protected]
📱 740-238-0664

08/27/2026

🏠 **THURSDAY QUESTION FOR HOMEOWNERS & FUTURE BUYERS**

If you could change **ONE thing** about your current mortgage or future home purchase, what would it be?

A. Lower monthly payment
B. Lower interest rate
C. More cash for a down payment
D. Pay off debt with a refinance
E. Buy a home sooner than you thought possible

Drop your answer below 👇

I want to start using Thursdays to answer real mortgage questions and break down scenarios people are actually dealing with.

No pressure. No sales pitch. Just real answers and options.

**Comment A, B, C, D, or E — and I’ll build upcoming posts around what you guys want to know most.**

08/27/2026

08/26/2026

🏡 REALTORS — before asking your seller for a price reduction, consider using those dollars to help the buyer’s payment instead.

A 1-0 or 2-1 temporary buydown can reduce the buyer’s interest rate during the first one or two years of the loan, creating a lower initial monthly payment while keeping the agreed-upon purchase price intact.

For example:

Instead of negotiating a $5,000 price reduction, we may be able to structure seller concessions toward a 1-0 or 2-1 buydown and give the buyer more meaningful payment relief upfront.

✅ Seller helps protect the sales price
✅ Buyer gets a lower initial monthly payment
✅ Realtors have another tool to help get the deal together
✅ Could be more impactful than simply reducing the purchase price

Every loan and scenario is different, so the numbers have to make sense, but before automatically cutting the price, let’s run the buydown options first.

Realtors, send me the purchase price and buyer scenario and I’ll help you compare a 1-0 vs. 2-1 buydown.

08/26/2026

08/26/2026

🏠OPEN HOUSE🏠

⏰ 2:00PM-4:00PM
🗓️ 08/30/26

Beautiful new listing located just outside of st clairsville.

🛏️ 3
🛁 1
📐 1130sqft
💲 $150,000

📍71420 Front St, St. Clairsville, OH 43950

Welcome home to this beautifully remodeled 3 bedroom 1 bathroom ranch-style home, offering a charming blend of modern updates and timeless character. The inviting exterior features low-maintenance vinyl siding, a welcoming covered front porch, above ground pool with a full sized deck, and a spacious flat outdoor area. With a newly remodeled and updated interior. The home also offers a spacious rear deck, providing the perfect setting for relaxing, entertaining, or enjoying the surrounding yard. Conveniently located just outside of st clairsville, this move-in-ready home is a wonderful opportunity for anyone looking for an updated, comfortable property with plenty of outdoor space.

Call/text/message for a showing today!

☎️ 1-(740)-391-9498

Brokered by REMAX Broadwater
Broker Travis Broadwater

08/21/2026

🏡 **Thinking about buying, refinancing, or just wondering what your options look like?**

I’m here to help make the mortgage process simple and straightforward.

Whether you’re:
🔑 Buying your first home
🏠 Moving into your next home
💰 Looking to refinance
📈 Investing in real estate
🤔 Or just trying to figure out where to start

You don’t have to have everything figured out before reaching out. I’m happy to answer questions, look at your situation, and help you build a game plan.

I’m licensed to help borrowers in multiple states and have access to a variety of loan programs and options as a mortgage broker.

Check out my page below to learn more or get started 👇

**Bryce Sztary | Mortgage Loan Originator**
Ultimate Mortgage Brokers
🔗 https://ultimatemortgage.com/loan-officers/bryce-sztary

📩 Feel free to message me anytime. Even if you’re months away from making a move, it’s never too early to start planning.

**TheMortgageSztar ⭐🏡**

Get the best mortgage rates and expert guidance for your home buying journey. Our experienced loan officers are here to help you secure your dream home with competitive rates and personalized service.