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Utilize your home's equity to invest in a new property or upgrade to your dream home with our heloc and heloan options

Unlock Your Home's Equity

HELOC & HELOAN

WHAT IS A HELOC & HELOAN?

HELOC (Home Equity Line of Credit):

A HELOC is a revolving line of credit secured by your home’s equity. It allows you to borrow money as needed, up to a certain limit, and pay interest only on the amount you use. It's similar to a credit card but with a much lower interest rate since it's secured by your home.

HELOAN (Home Equity Loan):

A HELOAN, also known as a second mortgage, is a lump-sum loan secured by your home’s equity. You receive a fixed amount of money and pay it back over a fixed term with a fixed interest rate.

What Are they good for?

Home Renovations:

HELOC: Ideal for phased projects needing funds at different stages.

HELOAN: Best for large, one-time renovations like a kitchen remodel.

Investment Opportunities:

HELOC: Quick access to funds for time-sensitive investments.

HELOAN: Useful for securing a fixed amount for planned investments, such as purchasing rental property.

Debt Consolidation:

HELOC: Good for paying off varying debt amounts over time.

HELOAN: Great for consolidating multiple high-interest debts into one payment with a lower interest rate.

Educational Expenses:

HELOC: Flexible for ongoing costs like tuition and books each semester.

HELOAN: Suitable for covering large one-time expenses like a full year’s tuition.

Medical Expenses:

HELOC: Helpful for managing ongoing medical bills and treatments.

HELOAN: Effective for covering major procedures or surgeries.

WHY CONSIDER HELOC/HELOAN?

Our HELOC and HELOAN offer a quick and flexible solution with high borrowing power and competitive rates.

WHAT WE OFFER

High Borrowing Power:

• Loans from $75,000 to $500,000, up to $5 million combined.

• CLTV ratios up to 90%.

Flexible Terms:

• Variable rates with 3 or 5-year interest-only periods.

• Amortization terms of 30, 25, 20, and 15 years.

WHO CAN BENEFIT FROM THESE LOANS?

• Homeowners Looking to Renovate: Ideal for major improvements or adding units.

• Investors and Real Estate Enthusiasts: Quick capital for investments and renovations.

• Individuals Seeking Debt Consolidation: Combine high-interest debts into one lower-rate loan.

• Those Needing Large Sums for Major Expenses: Use funds for education, medical bills, or starting a business.

• Prospective Buyers: Use a HELOAN for a down payment on a new home or investment property.

DISCOVER OUR ***BRAND NEW 2024***

HELOC ARV PROGRAM!

Fix your home using its FUTURE After Repair Value!

• Borrow up to 90% of a home’s ARV (After-Renovation Value)

• Second Lien, Home Equity Line of Credit up to $500,000

• Fast, Simple Process (No Draws or Inspections)

• No HUD Consultant Required

• No Seasoning Requirements

READY TO UNLOCK THE FULL POTENTIAL OF YOUR HOME'S EQUITY?

Contact us today to learn more about how our HELOC and HELOAN options can help you achieve your goals. Whether you're renovating, investing, consolidating debt, or preparing for a big purchase, we're here to provide the flexible financing solutions you need.

Don’t wait—get in touch now and take the first step toward realizing your financial aspirations!