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.

Tell Us About Your Loan Needs

What type of loan do you need?

Tell Us About Your Property

Where is the property located?

Property ZIP code

Home description

(No mobile or manufactured homes)

Purchase year

Property use

Tell Us About Your Loan

Purpose of loan

Estimated home value

First mortgage balance

First mortgage interest rate

Existing rate type

Do you have a second mortgage?

Yes No

Second mortgage balance

Second mortgage interest rate

How much additional cash would you like
to borrow?

Tell Us About Your Personal Finances

Credit status

Annual income

Occupational status

Have you ever declared bankruptcy?

Monthly debt payments

(do not include housing)

Your Contact Information

By submitting your request, you grant permission for up to 4 of our Premier Lending Partners to contact you by phone even if you are on the Do Not Call Registry.

Note: SecureRights collects and transfers your information to complete your request. By submitting your request you agree to SecureRights Privacy Policy. View SecureRights Licenses.

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 - Click Here to 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.