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.

"I really like the way I was treated by everyone involved in your business, both on the phone and in person."
L. McLaurin,
Los Angeles, CA

"Thank you for helping to make our home buying process relatively easy and pleasant. We appreciated your patience and persistence. We would be pleased to recommend you to others."
S & B Nixon,
Los Angeles, CA

"Already referred a friend. and will do so again when the opportunity arises."
J. Hughes,
Agoura Hills, CA

"This is to express my appreciation for the good work that was done on the recent loan application submitted to you by the buyer of my property. What appeared to be a
"Lost Cause" was brought to a successful conclusion, thanks to your tact, perseverance and resourcefulness. I would recommend you to anyone."
R. Seifert,
Oakhurst, CA

More Testimonials

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.

A good second mortgage bad credit broker, with the proper experience may be able to cure your foreclosure or bankruptcy.

A bad credit 2nd mortgage is a good thing when it solves your problems and eliminates your  headaches.

Home Equity Loan or Line of Credit - HELOC

If you need some cash from your home equity we have a variety of programs to choose from. Whether you need cash for a home improvement loan, a debt consolidation loan, or you just want to refinance your second mortgage with a lower rate, we can certainly help you.

If you want a fast home equity loan or HELOC with a low rate and low cost, Apply Online, we will make this process as quick and easy as possible. Let us help you compare the programs to determine which loan will save you the most money while you own your home.

A Variety of Programs to choose from:

We can help you choose the best loan for your situation. When you need a fast easy equity loan, regardless of your situation, either call us or Apply Online. You can count on us to give you straight answers to the tough questions regarding your real estate financing needs.

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.

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 $395+ 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.

Home Equity Loan Bad Credit - Many companies say that they provide bad credit equity loans, but most companies offer such high rates and fees, they are actually hurting their customers more than helping them.

A Variety of Categories to choose from:

For a fast home equity loan try our low rate heloc, it can be a stated income home equity loan even for a debt consolidation bad credit borrowerOur 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 recent bankruptcy, foreclosure, or problems with collections or late payments; if we can prove that you can make the loan payment and that you have sufficient equity, the loan is yours. Apply Online today and receive your online home equity loan.

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.

No Doc Equity Loan or Stated Income 2nd Mortgage - If you don't want to show us your income or can't, that's ok. We offer a variety of loan programs that range from Stated Income [you just tell us your income and we accept it] to No Doc Loan [we don't include any verification of income or assets, that means no employer listed and no bank accounts listed]. You will be surprised, the rates aren't bad, they're actually very good. Just complete our Online Application and let us begin saving you money with a lower interest loan.

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.

Easy 100% Home Equity Loan [Fixed Rate]
and Equity Line of Credit - HELOC
Cost = $395.oo+

This is one easy All American Equity Mortgage where the cash can be used for almost any reason:

This Home Equity loan can close immediately after you purchase your home.

Have you ever heard of the saying "When you need money, you don't qualify for it?" To prevent this unfortunate occurrence, let us provide you with with the Easy Equity Line. You only pay on the balance, so if you don't need it for several years, at least you have it available when you need it. An equity line of credit is good insurance for problems and emergencies that might surprise you in the future.

Could you imagine the frustration of being laid off from work, then applying for a simple home loan, then getting rejected because you don't have a job. Even during temporary unemployment, it can be difficult or sometimes impossible to get extra money from your home equity.

If you are having difficulty deciding how much of a loan or for which loan to apply for just call me at (800) 644-LEND or EMAIL me or submit your request online, I will respond quickly.

100% Home Equity Credit Line
PROGRAM TYPE LOAN FEATURES RATES/TERMS MONTHLY PAYMENT COSTS
Equity Line 90% max. loan to value 25,000 to 1million max. loan Adjusts monthly at Prime + .15%-1.25%
Term: up to 20 years		 $100. min. pmt. p/month
interest only payment on loan balance		 $75. annual fee after 1st year
possible early closing fee within 36 mos.
Equity Line 100% max. loan to value
$25,000 to $500,000 max. loan		 Adjusts monthly at Prime +.25%-1.25%
Term: up to 20 years		 $100. min. pmt. p/month
interest only payment on loan balance		 $75. annual fee after 1st year
possible early closing fee within 36 mos.
Equity Line
2nd Home		 100% max. loan to value
$1million max. loan		 Adjusts monthly at Prime + .15%-1.875%
Term: up to 20 years		 $100. min. pmt. p/month
interest only payment on loan balance		 $75. annual fee after 1st year
possible early closing fee within 36 mos.
Equity Line
for Rental Properties		 90% max. loan to value
$500,000 max. loan		 Adjusts monthly at Prime + .45%-2.25%
Term: up to 20 years		 $100. min. pmt. p/month
interest only payment on loan balance		 $75. annual fee after 1st year
possible early closing fee within 36 mos.

If you would prefer a fixed payment, and know exactly how much money you need, then a Fixed Rate Equity Loan might better satisfy your needs. There are advantages and disadvantages with the different programs and they are:

As you can see, there are advantages and disadvantages to both Credit lines and Fixed Rate Loans. If you are having difficulty deciding which loan to apply for just call me at (800) 644-LEND or EMAIL me.

100% Easy Fixed Home Equity Loan
PROGRAM TYPE LOAN FEATURES RATES/TERMS MONTHLY PAYMENT COSTS
Fixed Rate
Equity Loan		 90% max. loan to value $25,000 to
$1 million loans
6%-7.75% Fixed
Term: up to 20, 30/10 yrs.		 Fixed payment
amortized over loans term		 $395+
Fixed Rate
Equity Loan		 100% max. loan to value $25,000 to $500,000 loans
6.25%-7.5% Fixed
Term: up to 25, 30/15 yrs.		 Fixed payment
amortized over loans term		 $395+
Fixed Rate
Equity Loan
for Rental Properties		 90% max. loan to value $25,000 to $500,000 loans
7.75%-8.75% Fixed
Term: up to 25, 30/15 yrs.		 Fixed payment
amortized over loans term		 $395+

Notice these additional program details described below: