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Fulcrum Home Loans A mortgage is the Fulcrum point for most American's finances. It affects many of the financial decisions that a household makes and can ultimately determine the majority of one's net worth. It is estimated that home equity accounts for over 68% of the average American's net worth. In other words owning a home and having a mortgage is a very big deal. With that much on the line it is important to trust this most crucial of decisions to a trusted source. With over 15 years experience in mortgage financing we have seen a great deal of the ups and downs of the mortgage world. We know how to navigate this sometimes tricky terrain in helping our clients meet their financial goals and dreams.