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Mortgage and Home Equity Loans

Compare Several Loan Offers

family pictureMortgage Loans

Mortgage loans for purchase of real estate or the refinance of your present home, are offered at the best rates available. But don't just compare rates and fees, also check out the customer reviews. A loan that takes too long to get approved or processed might mean you loose the purchase deal you made. Every purchase contract has contingencies about how long you have to close the loan and in today's competitive market the contingencies are enforced.

It also pays to get pre-approved so that you have a loan approval in hand when you go shopping for your home. Be careful about the terms of the approval you get. A pre qualifed letter is almost meaningless since credit is not checked. A pre approval means your credit and income has been verified. The approval of the final loan will be subject to the appraisal.

Learn more about getting a mortgage loan and what all the terms mean, such as loan-to-value (LTV). Check out our Mortgage Glossary.

Home Equity Loans

A home equity loan is a type of loan that allows you to borrow money using the equity in your home as collateral. The equity is the difference between the current market value of your home and the amount you owe on your mortgage. Home equity loans are sometimes referred to as second mortgages because they are in addition to your primary mortgage.

Additionally, home equity loans can be used for a variety of purposes, such as home improvements, debt consolidation, education expenses, or emergency expenses. The amount you can borrow depends on several factors, such as your credit score, income, and the amount of equity you have in your home.

- A home equity loan or second mortgage is a fixed rate mortgage for a fixed amount to be repaid over a fixed period of time. This is the best type of loan for home improvements.

- A home equity line of credit (HELOCs), has a fixed amount you can borrow and generally has a variable rate. A line of credit means you have access to certain amount of money that you can withdraw as needed. You only pay interest on the amount of money you withdraw and you can repay at any time.

Compare Several Loan Offers

Complete the mortgage loan application and receive several loan offers with just one application. And, then select the loan that has the best interest rate and terms for you.

Personal Loan

Personal loans can be used for purchases, emergencies, or to pay off high cost credit card debt. Interest rates are much lower than most other types of loans, but require good credit. If you credit is bad, consider bad credit loan. Rates are higher but still less than credit cards and you can pay off the loan early when your credit improves.

Construction Loans

Thinking of building your new home? Find out what you need to know about construction loans. You can start here with the basics of construction loans including learning all the construction buzz words.

Car Loan Payment Calculator

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before going to the car dealer. Fill out the fast application and get immediate approval. Compare several offers and pick the best one for you.

You can also refinance your auto loan the same way. Compare your present payment with a new lower payment and see how much you can save every month. It cost nothing to apply and the reward can be substantial in terms of monthly savings.

Bad Credit Loans

When your income is drastically reduced the first place you look to save money is by not making loan payments. This can have a serious effect on your credit report which will in turn effect your ability to borrow money. If this has happened to you, there still may be ways to borrow money with a special bad credit loan. You can request up to $10,000 in one fast application.

Financial Planning

As is often quoted, the best laid plans of mice and men often go astray. But, that is not an excuse not to plan. Planning is all about the things you can control, and at the same time being aware of economic, social, and business trends that will affect you and your family.

Financial Trends

stack of dollar bills illustrationMany financial trends sneak up on us if we do not keep up with the news both in general and in business. Even if we are not involved in a business directly, business trends have an effect on everyone's lives. For example, automation that will extend into our every day lives and will likely affect the way we live and work.

The best way to keep up with trends is to read reputable newspapers and magazines which should include career related trade journals. You can also find blogs online that discuss subjects in your field.

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