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Southwest Florida home at golden-hour sunset
Naples & Southwest Florida

Stop overpaying the bank. Tap your equity, keep your low rate.

Your local Naples broker, shopping dozens of lenders so you get a great rate instead of the bank's. Refinance, cash-out, HELOC and home equity.

Takes about 2 minutes · No impact to your credit · No obligation
★★★★★ 5.0 · 22 Google reviews
10+ years in Naples
Equal Housing
What we do

Three ways to put your equity to work.

You've built real equity. We help you use it the smart way, without giving up the low first mortgage you locked in.

RefinanceRefinance

Refinance

Lower your payment, drop your rate, or change your term. We shop dozens of lenders to find the fit for your goal, not the bank's.

See my options →
Cash-out refinanceCash-Out

Cash-Out Refinance

Turn your home's equity into cash for a renovation, an investment, or to wipe out high-interest debt, all in one clean loan.

See my options →
HELOC and home equityHome Equity

HELOC & Home Equity

Access your equity without touching your first mortgage. Borrow only what you need and keep the low rate you already have.

See my options →
Free equity estimate

How much can you access?

Most lenders let you tap up to 80-85% of your home's value. Slide in your numbers for a fast estimate of what you could pull out, no credit check, no sign-up.

Get my exact number →
Warm home interior
$
$
Estimated equity you could access
$192,500
at 85% loan-to-value
Estimate only, based on 85% combined loan-to-value. Not a commitment to lend or an offer of credit. Your actual amount depends on credit, income, property, and lender guidelines.
Southwest Florida home

Your home is worth more than your mortgage.

Let's put that equity to work, the smart way, with a local broker who works for you.

See your equity →
Why a broker

One broker. Dozens of lenders.

A bank can only sell you the bank's rate. As a broker, Erlis puts a whole network of lenders in competition, so you win.

uSave Mortgage
40+ lenders competing for your loan

Just your bank

One set of rates, take it or leave it
You do all the shopping yourself
A different rep every call
Your move
uSave Mortgage

uSave Mortgage

Dozens of lenders competing for your loan
One local expert shops it all for you
We find the path when the bank says no
What clients say

Naples homeowners trust Erlis.

Google Reviews
5.0
★★★★★
Rated by real Naples clients
Read the reviews →
Verified review
★★★★★
Amazing mortgage broker to work with. Erlis made the whole thing simple and got us a better deal than our own bank.
C
Christina R.Homeowner · Naples, FL
10+
Years in Naples
FLMA
Licensed & local
Dozens
Of lenders shopped
5.0★
Client rated
★★★★★

"Erlis found us a better deal than our own bank and made the whole thing simple. Closed without a single surprise."

M
Verified homeownerNaples, FL
★★★★★

"We pulled cash out for our remodel and kept our low first mortgage. Wish we'd called him sooner."

J
Verified homeownerBonita Springs, FL
★★★★★

"Straightforward, fast, and honest the whole way. He answered every question and saved us real money."

R
Verified homeownerFort Myers, FL

Featured reviews are representative pending live Google sync. See all verified reviews on our Google Business profile.

Modern Southwest Florida home
Simple & fast

From hello to closing, without the runaround.

First

Tell us your goal

Two minutes online or a quick call. No documents to start, no impact to your credit.

Then

We shop the lenders

Erlis puts dozens of lenders in competition and brings you the best fit, not just one option.

Next

You pick the winner

Clear numbers, no jargon. You choose the option that saves you the most.

Finally

Close and save

We handle the paperwork and keep it moving so you close clean and on time.

Erlis Abazi, Naples mortgage broker
Erlis AbaziOwner & Broker · NMLS #1915163
Your local broker

A Naples broker who works for you, not a bank.

For over a decade, Erlis Abazi has helped Southwest Florida homeowners stop overpaying and put their equity to work. As an independent broker, he isn't tied to one bank's pricing, he shops a full network of lenders and brings you the option that actually saves you money.

Refinances, cash-out, HELOCs and home equity are what he does every day. Straightforward advice, real communication, and a rate the bank can't match.

FloridaMassachusetts
Areas we serve

Your local broker across Southwest Florida.

Naples born and based. Wherever you are in Southwest Florida, you get the same local, in-person service and dozens of lenders shopped for your loan.

Learn

Straight answers about your equity.

Can I get cash from my home without giving up my low mortgage rate?+
Yes. A HELOC or a home equity loan lets you borrow against your equity while your first mortgage stays exactly where it is, so you keep the low rate you locked in. A cash-out refinance replaces your first mortgage, which can still make sense if it lowers your overall cost. As a broker, Erlis compares all three and shows you which one actually saves you the most.
What's the difference between a HELOC and a cash-out refinance?+
A HELOC (home equity line of credit) is a separate, revolving line you draw from as needed, and it leaves your first mortgage untouched. A cash-out refinance replaces your existing mortgage with a new, larger one and gives you the difference in cash. HELOCs are great for keeping a low first-mortgage rate; cash-out refinances can be better when today's rate or a debt-consolidation goal makes one clean loan the smarter move.
How much of my home's equity can I actually borrow?+
Most lenders allow you to access up to about 80-85% of your home's value across all loans combined. So if your home is worth $650,000 and you owe $320,000, you may be able to tap roughly $190,000, depending on your credit, income, and the lender's guidelines. Use the equity calculator above for a quick estimate, then Erlis will give you your exact number.
Why use a broker instead of my own bank?+
A bank can only offer you the bank's own rates. A broker shops dozens of lenders at once, so they compete for your loan. That competition is how uSave Mortgage regularly beats the pricing homeowners are quoted by their existing bank, and Erlis handles the shopping for you.
Will checking my rate hurt my credit score?+
No. Getting an estimate and seeing what you may qualify for does not impact your credit. A full application later involves a credit check, but you'll always know before that happens.
Is uSave Mortgage local to Naples?+
Yes. uSave Mortgage is based at 3435 Pine Ridge Rd #102 in Naples, Florida, and is licensed to lend in Florida and Massachusetts. NMLS #2600406.
Warm Southwest Florida home interior
Get started

Talk to Erlis directly.

A real answer from a real local broker, not a call center. Free to check, with no impact to your credit.

Erlis Abazi, uSave Mortgage

See what you qualify for

Takes about 2 minutes.
By submitting, you agree to be contacted by uSave Mortgage about your inquiry. This is not an application or a commitment to lend. Equal Housing Opportunity.
👋 Hi, I'm Erlis. Thinking about tapping your equity or lowering your rate? Ask me anything.
Erlis Abazi
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