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Home Equity Loans

There are a variety of loans based on the equity of a home that are available. Home equity loans, home equity lines of credit, and reverse mortgages are a few. A home equity loan, or second mortgage, is a secured fixed rate loan that uses property as collateral. This type of loan is given in a lump sum to be repaid monthly by the owner and is perfect for home owners wanting to fund home improvement or purchase a new car.

Home equity loans come with fixed or adjustable rates depending on the type a borrower qualifies for. A straight-forward second mortgage comes with a fixed rate and a lump- sum advance of money. A home equity line of credit has an adjustable rate and uses the amount of equity much like a credit card. In this case the homeowner can borrow up to the amount of equity or simply take as much as he or she needs. This way if the home improvement project or college tuition turns out to be less than expected, the home owner can choose to take less. This way there is less to pay interest on and less to pay back.

Home equity loans are used in a variety of circumstances. Some home owners take advantage of the low interest rates and monthly payments that come along with home equity loans to pay off the remaining balance of a first mortgage. Others even use home equity loans to purchase a new, separate home. The most common use of one of these loans is home improvement, which is an excellent investment. The homeowner may take on extra debt as a result of the loan but in the process he or she generally raises the value of his or her home.

Home equity loans are second mortgages that are based on the equity or value of your home, which can be determined by subtracting your mortgage from the total value of your home as listed by current market prices. This equity is a great resource for homeowners needing to fund a college education or expensive home improvements. Apply online to contact up to four lenders who specialize in home equity loans.

 


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  Need Cash? Considering a Home Equity Loan? Why not get cash out from your equity and refinance in one process. Select ‘Refinance’ on the application and specify your ‘Cash-Out’.
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Mortgage Loans : Home Loans
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: Home Equity Loans
Refinancing

  Loan Information
  (Application fields change with Loan Type selection)
   Want cash and a lower interest rate or monthly payment?
   Refinance again or for the first time and get cash back!
   Loan Type:
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Current Interest Rate: %
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Yes – Free, No Obligation Debt Consolidation Quote

Mobile Home / Manufactured Home Refinancing – must apply here instead
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  Home Lending Resources
Home equity is the amount of the value of your home that you own, meaning what you have already paid for. Home equity loans are a great way to take advantage of this equity to finance other large purchases such as home improvements or the purchase of a second home… Loan payment calculators are a free tool tinkering with loan amounts and interest rate variables to arrive at a monthly payment that is manageable. Once you have arrived an an affordable payment, apply online for as many as four free no obligation rate quotes… Interest only mortgages can be a perfect fit for borrowers that are looking for smaller monthly payments on their mortgage or are not planning on staying in their home for a long period of time. As the name implies only interest is paid monthly…
If you would like to see the precise amount of interest and principal paid on your loan each month you need to refer to an amortization table. An amortization will show you exactly how much principal is paid down on your loan and also the portion taken out for interest… Unsecured loans can be obtained without collateral to consolidate debts or make purchases. If you have bad credit an unsecured loan may be your best option and timely repayment will help you improve your credit history in the process…

House refinancing is a painless way to take advantage of available lower interest rates to save money in interest costs over the life of your line. It is also a great chance to get cash out at a low interest rate for expenses and savings for the unexpected…

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