Services
At Tower and Shield Group we pride ourselves on building the right relationship with you whether you're a first time buyer or an experienced buyer.
For many of us, the journey toward homeownership begins with the dream of buying our very first home—a moment that can be both thrilling and overwhelming. It’s often intertwined with some of life’s most meaningful milestones: getting married, starting a family, or simply embarking on a new chapter filled with promise.
No matter the reason behind your decision, what matters most is that this step is incredibly important to you. That’s why we’re committed to guiding you every step of the way.
From the first conversation to closing day, our goal is to make the process feel as comfortable, transparent, and reassuring as possible—because buying a home shouldn’t just be about transactions, it should be about feeling supported as you build your future. Contact us to learn more.
Home Equity Line of Credit
A Home Equity Line of Credit (HELOC) can be a smart financial tool for homeowners looking to leverage the value of their property. By tapping into your home’s equity, you gain access to a flexible source of funds that can be used for major expenses like home renovations, education costs, debt consolidation, or even unexpected emergencies.
One of the biggest advantages is the revolving nature of the credit—similar to a credit card—which allows you to borrow only what you need, when you need it, and typically at a lower interest rate than other forms of credit. HELOCs often offer interest-only payment options during the draw period, helping you manage cash flow more easily. Plus, interest payments may be tax-deductible if the funds are used for home improvements.
So if you’ve built up equity and want a practical way to access it without refinancing your entire mortgage, a HELOC offers both flexibility and financial efficiency.
Construction Loans
A One-Time Close New Construction loan is a single closing construction loan. The construction portion is short-term financing that is modified into permanent financing upon completion of the project. A single closing construction mortgage can be closed as a purchase or a refinance.
WHAT IS A SINGLE CLOSING?
As the name implies, it is a single loan and closing for BOTH the construction and permanent mortgage. This allows the builder to proceed with the construction and the homeowner to simply move in after construction is complete.