Debt Consolidation, Equity lines of Credit and Home Improvement Loans.

Programs & Guidelines

Up to 100% LTV- Full Income Documentation and No Income Verified loans available. Loan amounts from $20,000 to $500,000. Full income requires under 60% debt ratio with a minimum credit score of 580. For Stated income Loan amounts go to $20-$250K for W-2 employees with a min credit score of 630 and $25K-$50K for Self employed with a minimum credit score of 630 to 100% loan to value. For larger loan amounts to self employed, it can be increased to $500,000 with at a max. of 85% loan to value depending on the credit score. We also have no score loan programs available with or without income also.

125% Seconds - Full Income documentation only. Loans from $20,000 to $75,000. Minimum credit score of 620 for Home Improvement only no cash to you. Min. 630 for Home improvement and Debt consolidation only, no cash to you. Min. 640 for debt consolidation with about $5,000 to $20,000 cash to you depending on credit score.

HOME IMPROVEMENT LOANS: Full Income Documentation and No Income Verification loans available. Loan amounts from $20,000 to $250,000. We have several different programs available for all types of credit, W-2 or self employed and loan to values. Generally, stated income deals are capped at 100% LTV and $50,000 with credit scores starting at 630. For Full income documentation, equity is not required because we also offer a 125% program for home improvement as well. If you have lots of equity up to 80% LTV, you don't need high credit scores for EZ qualifier or Full income doc's.

Equity lines. These are mortgages that work like a credit card. You can keep reusing the line by writing checks. Usually up to 10 years with an additional 10-15 years to payback the principal. Equity lines have adjustable rates based on Prime + a margin based on your credit score and loan to value. Minimum credit score with this product is 620 for full doc to 100% LTV and 680 for stated income to 90% LTV.

To get information on interest rates for all programs, please click here and then do your loan application with us.

Now that you know the different loans that we do click on "loan application" below so that we can get you your approval within 24-48 hours.

Loan Application