125% LTV Equity Loans

Use our SECURE online application or You can also download an application to be filled out at your home and faxed or mailed to our office for approval.

   refinance, refinances, REFI, REFINANCE

      
Should You Take Advantage of an Equity Loan?
An Equity Loan can allow you to take advantage of these benefits
  • Lower interest rates resulting in lower monthly payments
  • Consolidate high interest rate, 2nd liens, home improvement and/or swimming pool loans or credit card balances into one lower interest rate mortgage and better terms and tax deductible interest costs
  • Make Home Improvements and make your home a better place to live.
  • Get Cash Out to spend as you wish.  Use it for vacations, tuition, starting a business.
  • Current appraised value - not purchase price is used to calculate LTV ratios. (if you have owned the property for over 6 months) You may be able to get more cash out or get a lower rate.
  • You may qualify for a 125% equity loan or title 1 home improvement loan.
Click to apply  Download an application to fax to us
Cash-Out Re-Finance: 
Homestead law's have changed and now allow homeowners  to take advantage of their home equity by refinancing your existing  home to put their  cash equity to use. You can take this equity and spend it on whatever you choose:   children's education; paying off debts; your dream vacation; a new boat or a new car.   Most states now allow loans up to 125% of your homes appraised value.  125 loans have tighter underwriting guidelines and require better credit ratings than loans up to 100% of property value.

 

Click to apply  Download an application to fax to us
 

 

Special Situations:
Some of the special situations we help with include
  • Estate settlements 
  • Divorce settlements
  • Foreclosure avoidance (requires equity of 30%)
  • Paying state and federal tax liens
  • Paying judgments
  • Paying off collection accounts
  • Paying off bankruptcies (chapter 13 plans require trustee approval and a good pay history)
  • Paying off consumer credit counseling service repayment plans

 

Click to apply  Download an application to fax to us
 
There may be substantial income tax advantages.   The interest paid on loans secured by real property is deductible, as long as the loan balance or combination of loan balances does not exceed the value of the property.  Please get professional tax advice.

Equity-loans & Refinancing with cash out may seem like found money, remember that it will have to be repaid like any other loan.  Your property is being used as collateral and is at risk if you fail to make your loan repayment.

 
 
 

 Equal Housing Lender.

 

 

 

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" Refinancing - Home Improvement - Home Equity Loans - Debt Consolidation - Purchase "
Fannie Mae - Freddie Mac - FHA -VA - Conventional - Jumbo Loans

Equal Housing Lender.