Loans to 80%, 85%, 90%, 95% and 100% of the property value.  (For over 100% of value click here for the 125 loan).   Rates are based on the middle credit score and the equity position of the loan...

We have very competitive rates and terms, these loans usually require good credit, we may consider some late payments, give us a call or email...

Again, rates are based on the middle credit score and LTV...

An appraisal may not be needed on loans less than $30,001...

Please be aware, you may not be able to sell your house until the loan is paid down well below 100% of the value, even then you should allow for Real Estate Broker sales fees and other expenses associated with selling real estate...

This loan may prevent you from refinancing your first mortgage because of the combined loan to value restrictions on the first...

We still close a good deal of these loans, they work for many people even though they are aware of the negative factors (some listed above) involved with these loan types...

If you are looking for a way to consolidate debt and get the lowest monthly payment, you may want to seriously consider a new first mortgage with our 95% Cash Out refinance program.  Please call for a "no pressure" consultation.