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A Home Equity Loan is a one-time lump-sum loan with a fixed term that you repay in monthly installments.

 

The advantages of a home equity loan include:

 

  • Consistent payments from month to month, allowing you to plan ahead and avoid unpleasant surprises.

  • Lower interest rate compared to credit cards.

  • Ability to get an interest-only payment.

  • Payments are based on the amount of credit you’ve utilized.

  • Use your Home Equity Loan for what you want:

    • Pay off high-interest credit cards or loans

    • Pay off a vehicle loan

    • Give yourself a Renovation Loan – Remodel your property; new kitchen, new bathroom; landscaping, new flooring, finished basement.

    • Take care of unexpected costs

    • Consolidate Debt and you’ll save money with a much lower interest rate.  

    • Pay for tuition

    • Go on a Holiday

    • Compared to credit cards, there is a lower interest rate.

    • Feed and expand your other assets.

    • Use it as a source of retirement income.

What is the maximum amount you can borrow with a Home Equity Loan?

 

The maximum amount you can borrow depends on how much equity you have in your home.  In other words, the difference between what your home is worth and the amount you own on your mortgage.

How easy is it to get a Home Equity Loan?

If you own your house, you may be eligible for a loan. It's that simple! We don't focus on a list of factors as the large banks do. We don't care about your citizenship, credit history, or income level. We do look at the worth of your home and any existing loans. As a result, we will make the process of unlocking the value in your house as simple as possible!  

 

What are the rates and terms of a Home Equity Loan?

 

The rates and terms of a Home Equity Loan vary depending on the lender.  We work with a variety of lenders who can approve your application quickly at amazing rates.

 

Is it better to get a Home Equity Loan or Refinance your existing mortgage?

 

We will review the terms of your existing mortgage (interest rate and penalties), your current income/credit score situation, and current interest rates.  Based on that review we’ll determine the most effective way for you to take out equity from your home.

 

Bottom line is we’ll find the best solution for your unique situation, which could be:

•    A Home Equity Loan

•    A Home Equity Line of Credit

•    Refinancing your Current Mortgage 

•    A Second Mortgage

New Home Owners

Home Equity Loans

We have a variety of financial alternatives to meet your needs!

Creditlinx's qualified mortgage consultants want to make sure you're comfortable with every stage of the mortgage process. This involves determining the appropriate amortization length for your scenario, whether a fixed or variable mortgage is preferable, and whether you desire an expedited repayment plan. It also entails reading the small print and ensuring that you understand the terms and conditions, as well as any fines or penalties.

Creditlinx is committed to providing 5 star customer service. Contact us and a lending professional will assist you in scheduling a free personal consultation. We'll assist you in evaluating your mortgage alternatives and determining the best option for you!