Smart Home Equity offers high loan-to-value equity loans against your home regardless of your equity level. Once homeowners look to borrow above 80% or 90% loan-to-value, loans becomes more difficult to find. Home equity lending guidelines tighten significantly as banks are looking for compensating factors, like income and credit.
Smart Home Equity continues to offer high LTV loans to borrowers with all types of credit up to 100%.
Secure your debt even if you have no equity!
We offer a unique home equity loan that allows borrowers to access money up to 125% of their house value. The 125 Credit requirements look for fico scores in the high 600's with no mortgage late payments being reported from any home lenders in the last two years.
High LTV Home Equity
No Equity Home Loans
Home Equity Loans to 125%
125% Refinance Loans
Additional Home Equity Options from Smart Home Equity
Higher LTV's 2nd Mortgage and Refinance Loan Amounts up to $1,750,000 550 FICO Credit Score on Full Doc to 90% - 100% CLTV with seller carry 2nd to $900,000
600 FICO Credit Score on 80/20 Combo to 100% to $1,300,000
600 FICO Credit Score with 6 months bank statements to 100% to $900,000
640 FICO Credit Score on 80/20 Combo to 100% to $1,000,000
Fixed Payment Home Equity Loans
Utilize your home equity!
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.
Home Mortgage Refinance Loans
Refinance to lower rates!
Consumers holding ARM’s are refinancing in great numbers because of the significant fear of escalating rates that will cause the mortgage payments to rise immediately.
