No Equity Home Loans, HELOCs and Cash Out Refinance Loans

One of the most popular questions that we get asked is "Can I refinance my mortgage to to get cash out, eventhough, I have no equity in my home?" The answer is "yes".

APPLY Now by completing our quick and easy application form. A good FICO credit score of 640 & above, quality.




No Equity Loans are sometimes referred to as any of the following: No Equity Loan, No Equity HELOC Loan, No Equity Second Mortgage Loans, 125% LTV Mortgage Loans or No Equity Home Equity Loans.

No Equity Home Loans, No Equity Refinance Loans, No Equity HELOCs and No Cash Out Refinance Loans are offered in all 50 states including: Alabama (AL) Alaska (AK) Arizona (AZ) Arkansas (AR) California (CA) Colorado (CO) Connecticut (CT) Delaware (DE) Florida (FL) Georgia (GA) Hawaii (HI) Idaho (ID) Illinois (IL) Indiana (IN) Iowa(IA) Kansas (KS) Kentucky (KY) Louisiana (LA) Maine (ME) Maryland (MD) Massachusetts (MA) Michigan (MI) Mississippi (MS) Missouri (MO) Montana (MT) Nebraska (NE) Nevada (NV) New Hampshire (NH) New Jersey (NJ) New Mexico (NM) New York(NY) North Carolina (NC) North Dakota (ND) Ohio (OH) Oklahoma (OK) Oregon (OR) Pennsylvania (PA) Rhode Island (RI) South Carolina (SC) South Dakota (SD) Tennessee (TN) Texas (TX) Utah (UT) Vermont (VT) Virginia (VA) Washington (WA) West Virginia (WV) Wisconsin (WI) Wyoming (WY) New York (NY) Los Angeles (LA) Chicago Baltimore Washington D.C. (DC) Los Vegas Philadelphia Boston New Orleans Los Angeles Seattle Miami Tampa Arizona Memphis Charlotte Dallas Minneapolis Tulsa Cincinatti Las Vegas Detriot Pittsburgh Charlotte Oakland Austin Denver Phoenix San Diego Sacramento Raleigh Portland

If you have bad credit or a low credit score below 600 – Complete a fast and easy bad credit no equity loan application. Similar products will be offered to meet your needs.

No Equity Loans allow you to take up to $50,000 cash out of your home, even if, you have no home equity. Example: Your house is worth $95,000. Your mortgage is $100,000. You can get a 125% No Equity Loan to get $30,000 out of your home: (($100,000 * 125%)) - $95,000).

Interest Rates
15 Year & 30 Year Fixed Interest Rates retain the same principal and interest over their lifetime. They usually have slightly higher interest rates than Adjustable Rate Mortgage (ARM).

Conforming VS. Jumbo Loans: A conforming loan is a mortgage below $417,000. They tend to have lower interest rates than non-conforming loans or "Jumbo Loans" (loans above $417,000.)

Adjustable Rate Mortage (ARM) Adjustable rate loans (e.g. 5/1 ARM, 7/1 ARM) have the same interest rate & principal for a period of time and then they adjust. For example, a 5/1 ARM will have same interest rate for 5 years and then adjust yearly. They have lower interest rates than fixed mortgage loans. They are best suited to consumers, who plan to sell their homes in 3, 5 or 7 years.