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Randall Yates

Co-Founder at VA Loan Network and 2 other companies
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Randall Yates is a financial advisor and wealth preservation specialist dedicated to serving the unique financial needs of veterans. With over a 15 years experience as the CEO of TheLendersNetwork.com, Randall helped thousands of borrowers understand credit, mortgages, and the path to homeownership. Randall is also a co-founder of VA Loan Network and Vet Home Search, he focuses exclusively on helping veterans build, protect, and preserve wealth through strategic financial planning, asset management, and education. Randall’s mission is to ensure that every service member has a trusted advisor who understands both their benefits and their long-term financial goals. His transition from mortgage executive to veteran-focused financial strategist reflects his commitment to making a deeper impact in the lives of those who’ve served.

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  • Home Equity Loan Tax Deductions: What You Need to Know
    Randall explains that tax deductibility for home equity loans and HELOCs depends on fund usage. "Interest is deductible only if used to 'buy, build, or substantially improve' a home." Refinancing doesn't guarantee deductibility unless it enhances the property. Cash-out refinances are partially deductible if used for improvements. State variations affect property tax, not federal interest rules.
  • Understanding Home Equity Loan Defaults: Key Insights from VA Loan Network
    Randall explains that missing payments on a home equity loan or HELOC can lead to foreclosure, even if the primary mortgage is current. "Default usually starts with three payments in arrears," he notes. In foreclosure, the primary lender is paid first, with the home equity lender receiving any remaining funds.
  • HELOCs: A Smart Choice Despite Rising Balances
    Randall explains that a HELOC offers flexibility by allowing borrowing only as needed. Despite rising costs, it's ideal for bridging job gaps, medical bills, or home repairs. However, misuse like overspending can lead to financial strain. "Properly used, it's a great tool," he says, emphasizing the importance of planning.
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