Helping Homeowners Use Their Equity the Right Way
The Problem We Solve
Many homeowners today are sitting on significant equity but aren’t sure how to access it confidently and with the right financing plan.
You may have heard about options like a HELOC or a fixed second mortgage, but:
The differences aren’t always clearly explained
The tradeoffs can be confusing
And the wrong move can negatively impact your long-term finances
Standard mortgage qualifications don’t fit all homeowner’s situations
Most people haven’t been shown how to evaluate their options properly
Built by Experienced Mortgage Professionals
Equity Access was created by Primary Residential Mortgage, Inc. to help homeowners better understand how to use their equity strategically.
We work with a broad range of programs and qualification approaches that many traditional banks don’t offer.
Our role is simple:
Help you understand what your options are and whether they actually make sense for you.
And if the right plan is identified, we provide the guidance and support to make it happen.
Local Experts Focused on Real-World Solutions
Unlike large banks or call centers, we work directly with homeowners to evaluate real financing scenarios, explain tradeoffs clearly, and help identify solutions that fit long-term goals, not just automated approval guidelines.
Dane Moler
Helps homeowners and buyers explore flexible qualification options, second mortgages, HELOCs, and financing strategies that traditional banks often overlook.
Focus areas include self-employed borrowers, complex income scenarios, and helping clients evaluate whether accessing equity truly makes sense for their long-term goals.
Over 24 years of experience and more than 2,500 mortgages funded. NMLS 222498
Mike Koran
Works closely with homeowners exploring HELOCs, fixed second mortgages, and equity strategies designed to preserve low first mortgage rates while improving financial flexibility.
Known for helping clients simplify complex financing decisions into practical next steps.
Over $1 billion in funded loan volume. Over 150 five star reviews on both Yelp and Google.
NMLS 87656
Kerry Ettinger
Helps homeowners navigate financing decisions with a detail-oriented, analytical approach shaped by nearly 20 years in engineering and residential development.
Brings extensive experience in project management, residential construction, and real estate development, helping clients better understand complex financing scenarios through a practical, solution-focused lens.
Known for clear communication, strong organization, and creating a smooth, supportive experience throughout the process.
NMLS 1710863
How We’re Different
Most lenders jump straight to offering a solution.
We start by helping you decide if you should even move forward in the first place.
That means we help you:
Understand the difference between HELOCs and fixed second mortgages
Evaluate how each option impacts your payment and risk
Avoid strategies that look good upfront but create problems later
Structure your equity in a way that supports your long-term goals
Explore qualification options beyond traditional income and credit guidelines
Work with scenarios where standard bank approvals may fall short
Identify solutions for self-employed, complex income, or unique financial situations
Sometimes the right answer is to move forward.
Sometimes it’s to wait.
We’ll help you figure out which is which.
Who This Is For
We typically help homeowners who:
Have built up equity and want to access it responsibly
Want to keep their current low first mortgage rate or don’t currently have a mortgage
Are considering a HELOC or second mortgage but aren’t sure which is better
Want to consolidate debt, fund improvements, or create flexibility
Prefer to fully understand the numbers before making a decision
If you’re unsure what makes sense and are exploring options, you’re exactly who this is for.
Our Approach
We start by understanding your situation.
Through a quick equity review, we gather the key details needed to evaluate what options may be available and appropriate.
From there, we walk you through:
What your options look like
How each one works in practice
What the tradeoffs are
And what may make the most sense based on your goals and qualifications
You decide what to do next.
No pressure. No obligation.
Ready to See What Makes Sense for You?
A quick review can help you understand your options and whether accessing your equity is the right move at all.
No obligation. No credit pull unless you request one.