Joseph Chery at Guaranteed Rate - NMLS #834824

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.

03/10/2023

No more 30 days to get close your mortgage.
I can do it in ONE DAY !

Call me: 617-306-6400

01/18/2021

Spend today doing for others.

01/11/2021

Bay Equity Responsive Do it better this year! Plan a better home life in the New Year.

01/03/2021

A very good company to work with for a mortgage

Click to see all 13 reviews of Joseph Chery, Loan Officer | NMLS # 834824

12/17/2020

Winter is usually the slowest season for the housing market. But don’t let past history snow you – it’s crystal clear that 2020-21 winter home sales are going to be red hot. Even as the holidays blow in, mortgage rates are still remarkably low. Get to Bay Equity this winter and get your home loan house in order. Rates may rise, but even if overall activity slows, price growth will likely continue well into next winter. Don’t get left out in the cold. Make your move on a purchase or refinance loan with Bay Equity. Call today!

11/17/2020

Go take a hike! Seriously, we hope you can take some time today to enjoy the beauty of nature! Set a course for the trail nearest you and post a photo of your favorite site with us!

11/16/2020

Here are some pointers help you understand what points are.

11/12/2020

Your life is always changing. Maybe it is time to make changes to your homeownership story? When you're ready, your trusted local New England Bay Equity team is always here for you. Birth of a child? Kids off to college? Growing your real estate portfolio? Inheritance? Pending Retirement? Reach out to us anytime to discuss your options! We are never too busy to answer your questions!

11/11/2020

The Bay Equity Family wishes a heartfelt “Thank You” to all members of America’s Armed Forces. Thank you for your bravery and your dedication. Thank you for protecting the freedom we enjoy living, working and playing in our beautiful and amazing country. We are thankful for your service in peacetime and war, here at home, and around the world.