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Option Arm Manage your Mortgage!


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Home Equity Loans Online                                                                                                                             

Doing your home equity loans online is convenient. Home equity loans have a fixed interest rate and disburses at closing. Home equity loans will allow you to take home equity out of a property. Interest only Home Equity Loans will lower the payment of your home equity loans. For difficult to verify income, stated income Home Equity Loans are available. Home Equity Loans with no closing costs are available as well. Please feel free to email me with any specific questions on home equity loans online. I am an online mortgage broker specializing in home equity loans online.

An advantage of home equity loans are that your interest costs are generally tax deductible. A comparison between the after tax costs of home equity loans and any consumer loans should be done before any major purchase. Please give me a call if you need help with the calculation.

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

Common uses of Home Equity Loans

  • Debt Consolidation Home Equity Loans. 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 HELOC 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 Loans Closing Costs

Learn about the differences between home equity loans and lines

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

I have included a page on documentation requirements.

We offer you the ability to qualify and close into several home equity loans which accommodate borrowers with non traditional income or asset situations. 

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

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