Smart Home Equity is your online connection for home equity lending for bad credit and sub-prime home equity lines of credit.
We offer credit rehab solutions with 2nd mortgage and credit lines that allow late mortgage payments and poor fico scores. You will get a better loan from us because we continue to work with the top non-conforming home equity lenders in the country translate to low rate cost effective home equity credit lines for you.
Great Lending Advice from Smart Home Equity
Let Smart Home Equity help you connect the home equity line of credit regardless of your bad credit past.
100% Home Equity Lines of Credit
Bad Credit Scores OK
Past Bankruptcy OK
Non-Conforming Home Equity Credit Lines
Variable Rate Home Equity Lines
Sub-Prime Lines of Credit
Credit Score Select
Primary borrower is the borrower with the Highest Mid-Score – no Primary Wage-Earner required
Full document only – both borrower’s must provide income documentation
Max loan amount is $1,000,000 – combined loan amounts $750,000 and $250,000
Minimum mid-score for all applicants is 500; minimum mid-score for primary borrower is a 550 Fico Score.
Owner Occupied, SFR, Duplex, PUD & Condo
Example: Husband has 535 mid-score and makes $4000/month. Wife has 605 mid-score and makes $2000/month. Before, we had to run him as the Primary borrower, because he made more money. Now, we can run her as the Primary – regardless of income level – using her mid-score to qualify for programs and for lower rates.
Most homeowners are getting wise to adjustable rates, but if you have put off consolidating your credit cards or variable line of credit, take a minute and discuss a fixed payment home equity loan that could save you quite a bit of cash over the years. Cash Back Equity Loans 100% Home Equity Loans
Homeowners should stop using their credit cards to finance home improvements because the interest rates for fixed rate home equity loans are much lower & they will be able to borrow more to get their projects done right the 1st time.