“Having a standby home equity line of credit in place already is a good idea, is an emergency source if something major went wrong with your home that you needed to repair or replace.”

“If you go and use a portfolio loan from a credit union or a small bank or from a private lender, there's no cap. So you can actually go out and get them to buy $20,000.”

“The line of credit really gave me the flexibility to be able to manage the cashflow a lot better”

“Credit union loans for vehicles are much cheaper, much cheaper than you get from the dealer normally unless there's a factory subsidized deal. And significantly lower than you're going to get from a bank on a vehicle loan.”

“I've got a great credit union lender in Colorado, but he's only licensed in Colorado. And I can call him up because I'm a real estate agent. I refer people to him all the time.”