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Home Equity Financing                                                                                                                             

Home equity financing has a fixed interest rate and disburses at closing. Home equity financing products allow you to take home equity out of a property. An interest only Home Equity Financing Mortgage will lower your payment. For difficult to verify income, a stated income Home Equity Financing Mortgage is available. A Home Equity Financing Mortgage with no closing costs is available as well. I am a mortgage broker specializing in home equity financing products and I am always happy to answer any email questions you may have about home equity financing

An advantage of home equity financing is that your interest costs are generally tax deductible. A comparison between the after tax costs of the home equity financing and any consumer loan should always be done before any major purchase.

Our lenders can lend up to 100% of the home equity in your home but please understand that the interest rate will be somewhat higher if your home equity financing is over 90%(combined first trust and home equity financing) of the value of the property. Our lenders will allow up to a 50% home equity financing Debt to Income ratio (DTI) with good credit. Please see the link below for more information on qualification ratios.

Common uses of Home Equity Financing

  • Debt Consolidation Home Equity Financing. If your other debt is too much you may dramatically reduce your monthly payments. See the calculator below for an idea of how much you could save.

  • Finance a Major Purchase. If a new car or boat is in your future, you may want to compare payments.

  • Children's Education. Many people find a home equity mortgage the most logical way to pay for their children's education. Exactly what I did when my son went to college and I saved a lot of money compared to any other option.

  • Property Purchase. If you are considering either an investment in income producing real estate or a vacation home, it may make more sense to unlock the equity in your home rather than move the cash from other investments which are doing well for you. Please see my pages on Investment Property or Vacation Homes for more information.

Learn more about the tax considerations of home equity loans

Read more about Home Equity Financing Closing Costs

Learn about the differences between home equity loans and lines

I have included a page on how to calculate your mortgage ratios.

I have included a page on mortgage documentation requirements.

Wet offer you the ability to qualify and close into several unique programs which accommodate borrowers with non traditional income or asset situations. 

* I have included a section on the new Cash Flow ARM. A LIBOR based product which gives you complete flexibility in managing your mortgage.

The new Asset Manager is a creative program which gives you complete control over your mortgage as well.

As a Certified Mortgage Planning Specialist, I offer an analysis of your situation today can make suggestions on how small changes in how your consumer and mortgage debt is structured today can have a life changing effect in the years to come.  Read more about this free, no obligation service.

Home Equity FinancingPrequalify for your Home Equity Financing

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