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Piggyback HELOC Win in Virginia Beach, VA
Used an 80/10/10 to avoid monthly PMI and keep flexibility.
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Avoiding PMI With a Piggyback in Virginia Beach
Self-employed buyer needed flexibility around cashflow.
The Challenges
- Income variability near jumbo price point
- Need to keep cash on hand for the business
The Playbook
- Modeled first + HELOC vs single loan for total cost
- Verified bank-statement income (supporting doc only) for comfort
- Coordinated simultaneous closing with HELOC provider
- Set plan to pay down HELOC during strong cashflow months
Outcome
- Avoided monthly PMI
- Kept cash available for business volatility
- Smooth coordinated close
Coach's Tips
- Keep reserves strong when self-employed
- Treat the HELOC as a strategic tool
- Revisit payoff plan quarterly
Download PDF: Piggyback HELOC Win in Virginia Beach, VA
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