Providing personal online mortgage service since 1987, a California home loan specialist

Rand Miller

(800) 644-5363

A home equity line [heloc] is an excellent life saver, if you loose your job, the equity in your home is immediately available.

A good home equity loan company can close an equity loan within 20-30 days or less.

An on line home equity loan can be easy, just complete the online application, fax in some paperwork and get ready for the funding.

The best home equity loan is one with a low rate and low cost. Our good credit equity loans cost only $16 to $300.

A refinance home equity loan can sometimes lower your payment and allow you a little more cash out.

A home equity line of credit rate has the ability to adjust monthly, whereas a home equity loan has a fixed rate that doesn't change.

100% No Equity Loan, it's Easy!

100% No Equity Loan - That's right, we can lend up to 100% of your homes value if needed. The interest is usually tax deductible also [consult a CPA for details]. Our no equity loan can also allow for marginal to poor credit and in many cases allow for stated income. Application is easy, just Apply Online and we will call or email you back with a loan proposal or pre-approval ASAP.

A Very flexible loan:

Good Credit Low Rate Home Equity Loan - We will do our best to provide you with a good low interest loan at a low cost. We monitor rates daily and do our best to match or beat competing mortgage company rates. Rarely are competitor rates lower than our underwriter's rates. We bend over backwards to make sure you save money on your home equity loan rate.

100% no equity loan, heloc, or second mortgage, with fast home equity loan speed, online heloc.Low cost means low cost. Your upfront fees and closing costs for our good credit easy equity loan program can range from as little as $16 to $300 depending on your qualifications and credit score. In fact we can have you pre-approved within a day or two. All you have to do is complete our Apply Online form, fax us some items, then wait 24-48 hours for your approval.

With us, you are not just given a number, we provide personalized service. Either submit your online loan request today or call us. We will call you with the details of your equity loan approval ASAP.

100% Home Equity Loan Bad Credit - When we say bad credit, we mean not good credit. With no equity a person has to have at least marginal credit, although the credit scores can be as low as 580. If your credit isn't 580 but close, call us anyway, we may be able to make an exception. Generally though, the credit score will need to be at least 580.

Our underwriters truly understand and care about our clients who have had past or current credit problems. Our underwriter's faith in you is proven by the low interest rates offered. If we can prove that you will make the payments on the equity loan, even if you have had a past bankruptcy, foreclosure, or past problems with collections or late payments; if we can prove that you can make the loan payment, and have an acceptable credit score, the loan is yours. Apply Online today and receive your online home equity loan.

100% Stated Income 2nd Mortgage - Yes, even with our 100% no equity loans we allow for stated income. Your credit needs to be good, or at least marginal with at least a 620+ credit score [exceptions may be possible]. So, if you don't want to show us your income or can't, that's ok. Our stated income loan is flexible [you just tell us your income and we accept it]. You will be surprised, the rates are actually very good. Just complete our Online Application and let us begin saving you money with a equity line of credit.

The Online Home Equity Loan is convenient, whether you are sipping your coffee and wearing your pajamas at home, or in between meetings at the office, just call or email us for loan status. We are geared to close loans quickly.