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Mortgage Loan
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Our Program Highlights

Perfect for homeowners needing flexible access to home equity funds:

  • Loan Amounts: from $150k with NO Limit
  • Geography: Nationwide in ALL 50 States
  • Property Types: Residential
  • Occupancy: Primary Residence, Second Home, Investment Property, no operating history required on STRs
  • LTVs: Up to 90% (Acquisitions/Rate-Term Refi), 80% (Cash-Out)
  • DTI: 50-55%
  • Credit Score: 660 minimum
Start My Approval

Do You Qualify for this Loan?

Here is what you need in order to qualify for this product. Even if you don’t meet all of these criteria, don’t hesitate to reach out to see how we can help.

Credit

You’ll need a 660 score or better to qualify, with flexibility for strong financials.

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Down Payments

Down payments start at 10%, depending on credit and loan amount.

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Closing Costs

You’ll need around 1-3% of the amount you’re financing for closing costs.

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Debt

Less than 55% of your income should be going to pay debt.

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Frequently Asked
Questions

Answers to questions about this loan we heard
from people like you during research.

What is a Home Equity Loan?

A Home Equity Loan, often called a second mortgage, allows you to borrow a lump sum of money against the equity you've built in your home. It typically offers a fixed interest rate and consistent monthly payments, separate from your primary mortgage.

What do I need to get preapproval for a home equity loan?

For a home equity loan, you can get traditional preapproval or what is called "No doc" preapproval for those who are self-employed. Here is what is required for each:

For self-employed borrowers:

  • Minimum of 12 months business or personal bank statements
  • Minimum of 1 year of Profit and Loss Statement Balance
  • Minimum of 1 year 1099
  • 2 months personal asset statements
  • Drivers license
  • CPA letter to attest to your ownership

For traditional borrowers:

  • 2 years W2
  • 2 years personal & 2 business tax returns (If applicable) 
  • 30 days pay stubs
  • 2 months personal asset statements
  • Drivers license
Why would I want a Home Equity Loan?

You may prefer a Home Equity Loan if:

  • You don't want to refinance and change the terms or interest rate of your existing mortgage.
  • You require a lump sum for specific projects like home renovations, debt consolidation, or other significant expenses.
  • You want predictable, fixed payments separate from your first mortgage.
What is the difference between a Home Equity Loan and a Cash-Out Refinance?

A Home Equity Loan provides a separate, second mortgage without altering your primary mortgage, allowing you to keep your original mortgage rate intact. A Cash-Out Refinance replaces your current mortgage entirely, potentially altering your interest rate and terms, while providing cash based on your home's equity.

Available states
Coming soon

All 50 States, Covered.

Our loan officers are licensed in all 50 states, so no matter where you are - we have you covered.

See Our Recent Fundings

We’ve helped hundreds of clients get the funding they need to purchase their next property. You could be next.

No Income Verification
Kirkland, WA
Loan Amount:
$792,000
Purpose:
Purchase
Purchase Price:
$990,000
Down Payment:
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Bank Statement
Key West, FL
Loan Amount:
$3,500,000
Purpose:
Purchase
Purchase Price:
$5,000,000
Down Payment:
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Bank Statement
Brigantine, NJ
Loan Amount:
$2,135,000
Purpose:
Purchase
Purchase Price:
$3,050,000
Down Payment:
This is some text inside of a div block.

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