John Kalin, NMLS # 22238. Guaranteed Rate NMLS 2611

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.

06/30/2023

A bad tile job has the same issue as bad plastic surgery: TOO MUCH LIPPAGE! Fix that ick and save your bathroom floor by replacing the grout and getting that lippage out: http://ms.spr.ly/6187gQsiP

06/29/2023

Pending home sales were down slightly in May, but there were some bright spots in markets across the country. http://ms.spr.ly/6182gQZ7w

06/28/2023

Make sure you get a pro to help you out...but start with one of our pros who can get you pre-approved and the right financing before you start your home search.
Find out more: http://ms.spr.ly/6187gtso5

06/26/2023

06/22/2023

The number of homes for sale rose slightly in May, providing good news for people looking to buy and helping to drive a modest increase in existing-home sales. http://ms.spr.ly/6180gqYbQ

06/21/2023

Summertime fine! Celebrate by barbecuing on the patio of your new home.

06/19/2023

Today marks the anniversary of a powerful turning point in history; the emancipation of African-Americans opened up the floodgates to a new era of opportunity and prosperity that continues to date. Let's continue to support each other and provide equal opportunity for all.

06/18/2023

Happy to all the great dads who fix those squeaky doors, leaky faucets, and blown fuses. We appreciate all that you do!

06/16/2023

S**g carpet hasn’t been groovy since Scooby-Doo was a pup. Fix that ick by modernizing your space with some high pile carpet or hardwood and a nice area rug. Now that’s a vibe!
Learn more: http://ms.spr.ly/6188gWryy

06/14/2023

In a competitive housing market like we’re in now, moving fast can be the difference between getting the home you want and missing out. Find out how to close in as little as a day. http://ms.spr.ly/6184gmM2s