Sarah Kubicki

10/17/2026

5.0 star review received on Experience.com for Sarah Kubicki by Daryl J - Sarah is excellent to work with very helpful and explains everything for you . Great rating!

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10/02/2026

5.0 star review received on Experience.com for Sarah Kubicki by Lisa C - I couldn’t be more pleased with the service I received from Sarah Kubicki. From the very beginning, she was professional, knowledgeable, responsive, and genuinely committed to making the process as smooth and stress-free as possible. She was always available to answer my questions, provided clear, timely updates, and went above and beyond to keep everything on track.
Her attention to detail, patience, and dedication truly stood out. I felt supported and informed throughout the entire process, which made a normally overwhelming experience much easier.
I highly recommend Sarah Kubicki to anyone looking for a mortgage lender who truly cares about their clients and delivers exceptional service. Thank you for making this experience so positive!

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10/02/2026

Own property free and clear? That equity could be doing more for you.

A home equity line of credit on a primary residence or investment property can turn paid-off real estate into your next purchase. One of my clients is using $500K in equity to buy four more properties.

Curious what yours could do? Send me a message.

Sarah Kubicki | Independence Home Loans | NMLS #876986 | Company NMLS #2524174 | Equal Housing Lender

10/02/2026

09/04/2026

5.0 star review received on Experience.com for Sarah Kubicki by Michael L - Sarah was amazing to work with. She was very professional and pleasant to work with. She thought “outside the box” to get me my best case scenario and no surprises. Which is always welcome. I would recommend her to anyone.

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08/31/2026

I get asked this constantly, so here's the short version.

If you're thinking about using your home's equity, you've probably run into three terms that sound interchangeable and aren't: HELOC, HELOAN, and cash-out refinance. This video covers the first two.

A HELOC is a line of credit. You draw from it as you need it, which makes it the right tool when you don't know the final number yet... a remodel you're doing in stages, or a cushion you'd like to have sitting there even if you never use it.

A HELOAN is a lump sum with a fixed rate and a fixed payment. That's the right tool when you already know the number. Consolidating balances. One defined project.

Both of them sit behind the mortgage you already have. Neither one replaces it.

After 1,300+ closed loans, the pattern I see is that people rarely regret using their equity. They regret using the wrong product for what they were trying to accomplish — usually because nobody took ten minutes to explain the difference.

Happy to be that ten minutes for anyone who wants it. Comment or message me.

Sarah Kubicki | Independence Home Loans | NMLS
#876986 | Company NMLS #2524174 | Equal Housing Lender

08/15/2026

5.0 star review received on Experience.com for Sarah Kubicki by Toni R - You made the process so easy and laid back. You help me understand the process and to find the answers you needed easily. You explained the process clearly and understandable. Thank you for all you did.

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08/07/2026

08/06/2026

It warms my heart when my clients are happy and satisfied with my service.