Home Loans
Home Loans

We have an entire network of lenders with a wide assortment of fixed-rate home equity loans and variable-rate Home Equity Lines of Credit (HELOC's) to suit your needs.  With these products, you can borrow up to 125 percent of the value of your property.

Home Equity Line of Credit

A Home Equity Line of Credit is a line of credit that can be used as you need it. You can use any portion of it at any time and pay it back at any time. The interest rate is usually variable and is usually tied to the prime rate. The most common reasons for an Equity Loan are:

Home Equity Loan

A closed-end home equity loan, or term loan, is provided to you as a one-time lump sum that is paid off over a set period of time, with a fixed interest rate and equal payments each month. Once you get the money, you cannot borrow further from the loan. How Do Equity Loans Work?A second mortgage loan is a loan secured by the equity in your home. Equity is the difference between the “value” of the home and the “balance” of the existing mortgage on the property. Equity is fast becoming one of the most valuable assets in this country. Homeowners can borrow against the equity for a variety of reasons and benefits.

How much equity do I have in my home? Click here for our Instant eAppraisal

What is the difference between an Equity Line of Credit and another type of second mortgage? A Home Equity Line of Credit is a line of credit that can be used as you need it. You can use any portion of it at any time and pay it back at any time. The interest rate is usually variable and is usually tied to the prime rate. Other types of second mortgages, such as the Home Equity Loan, and 125% Freedom loans (which allows you to take out a loan for a value greater than that of your home) are closed-end loans in that you receive the money when the loan is guaranteed. You borrow a lump sum and pay it back over a period of years with interest. The interest rate for these products is fixed.Our Home Equity loans are simple interest rate products

Refinance Mortgage -  It is a good idea to re finance your house at the current rates. We have several bad credit mortgage lenders who will work with you to find the best rate on first trust deed no cash out (or 1st trust with cash), second mortgage loans, refinance mortgages, home equity refinancing, cash out refinance, FHA streamline refinance. If you have a bad credit record and are looking to refinance your home, visit one of our featured lenders and apply quickly and easily on line for a bad credit mortgage loan, cash out signature loans, 125 percent home equity loans, home equity line of credit (HELOC), or raise extra cash through refinancing mortgage from America's Lending Partners and their network of poor credit - sub prime lenders.What are some benefits of refinancing?

Home Equity Loans - Equity loans (called home equity line of credit) differ from regular refinancing because they do not disturb the existing first mortgage. Additionally, they do not require the best of personal financial profiles. Since these loans are not sold to the secondary market, lenders can accept a higher risk. Therefore you can obtain a personal credit line even if you have less than perfect credit. If you have good to excellent credit, you may consider a 125 percent mortgage (personal credit line). These are 1st and 2nd mortgages that total up to 125% of the property's market value.

Auto Loans & Auto Refinancing - Quickly apply online for a new or used car or truck, or even a motorcycle loan. We have high risk lenders who specialize in car loans, truck loans, motorcycle financing and rv loans...even for people with bad credit. Approval for these car loans is very quick. Check out or auto financing and auto refinance loans today.

Credit Cards - If you have bad credit problems, you have probably had a difficult time obtaining an charge card or unsecured credit cards. One of the best ways to build or rebuild credit is to obtain credit. This may sound like a contradiction, but there are lenders who will grant credit to high risk consumers. Once you have the credit card, your proper use is reported to the credit bureaus. Just try to keep your balance below 45% of the available credit limit. Check out our list of unsecured credit cards for people with bad credit, and unsecured Visa credit card offers...some with instant approval, including internet catalog cards (so you can shop online), merchant credit cards, and credit for college students.  Most people with low Beacon scores or no credit history established with the three credit bureaus begin the credit rebuilding process by using guaranteed prepaid credit cards (no employment verification or checking account required, low income ok) or low credit limit unsecured credit cards for people with bad credit.  Most secured credit cards featured have guaranteed approval, once you mail in your prepayment deposit. Our directory of easy qualifying cards includes My Credit Card Finder, Eufora Credit Card, and the Orchard Card from Household Bank. Complete a credit card application and get an instant credit decision today!

Payday Loans - Do you need a loan but have bad credit?  Did you know that you can cash your next paycheck online before you ever get it?  If you are running low on cash, you can actually borrow up to $500 until payday and get the funds within 24 hours. This is called a payroll loan or deferred deposit. Our lenders will wire $100, $200, $300, and up to $500 into your checking account overnight ... with no credit check. No collateral and no cosigner for these unsecured personal loans for people with bad credit. If you complete a loan application now, you will usually get a response within 30 minutes. And in most cases, approval is guaranteed if you make at least $1000 a month. Bankruptcy, poor credit, bad credit ratings, and no credit are no problem with these hard money lenders. You can use your pay day loans for any purpose: gifts, purchases, vacation, travel, wedding, car repair, emergency, pay bills, cover checks, groceries, utilities, insurance, or even pay rent. So what are you waiting for?  Apply now for fast bad credit e-loans and payday loan cash advances with easy online applications and processing, no co signers, no income verification, no savings account required.

Debt Consolidation - One way to improve your credit is to pay off debts. Lenders advise that keeping a high debt to income ratio will adversely affect your credit rating. You should lower your debt ratio to below 45%. That is, reduce your balance on all revolving credit accounts to below 45% of the available credit limits. This is one of the most effective ways to raise your credit score.  Here, you can obtain immediate consolidation debt relief from one of our personal finance and debt management consultants. The service includes debt elimination, student loan relief, bill consolidation, credit card bill consolidation loans, Christian Debt Consolidation, or obtain consumer credit financial counseling and consultation.  If you are experiencing financial troubles, now is the time to consolidate all of your debt in to one easy payment.  If your debts exceed $10,000, you can use our new debt settlement and debt negotiation services to settle your unsecured debt with your creditors. Through settlement, you can negotiate your payoff amounts and even the annual percentage rate (APR). By doing this, you can get out of debt and become debt free in half the time. Need money to consolidate credit card debt or high interest student loans?  Use our debt consolidation services to pay off bills, consolidate your credit card debt, and get harassing creditors off your back permanently.  The payment plans that will be developed during credit and debt counseling may help you to eliminate your debt in a matter of months (as opposed to years).  If you are a homeowner, it is very smart to pay off bills with a home equity loan. With interest rates at a 40 year low, home owners can save thousands of dollars by paying off high interest debt with home equity.Credit Tip:   Consider paying your tax bill with an unsecured bank loan or funds drawn from a home equity line of credit. The interest you pay on a home equity line of credit is generally deductible on your federal income tax return if you itemize your deductions. Since interest rates are so low, you can save hundreds (if not thousands) of dollars by paying your taxes with home equity, rather than with a credit card or through higher-interest-rate financing with the IRS (installment payment agreement). Most of the lenders we have chosen to work with consider adverse credit and low credit scores with no problem.

Mortgage Loans, Mortgage Refinancing, Home Loans
Home Equity Loans, VA & FHA Mortgages, Bad Credit Mortgage Loans

We have mortgages and home loans for ALL credit types! That's because we maintain an extensive network of flexible, motivated mortgage lenders with a wide assortment of fixed-rate mortgages, variable-rate mortgages, and other home loan refinance products. They also happen to offer the lowest mortgage rates and best deals on new mortgages, FHA loans, VA loans, home equity loans, home improvement loans, home equity lines of credit, second mortgages, and mortgage refinancing.

Increase your negotiating power! Know what's on your credit report BEFORE you try to buy a home, and then you'll know what the mortgage lender knows! Plus if you remove errors and rebuild your credit if necessary, you'll get a better rate. Get Your FREE Credit Report NOW!

We have mortgage lenders for virtually all credit types too - excellent credit, less-than-perfect credit, good, fair, marginal, or even poor credit. And since your privacy is important, THERE'S NO NEED TO CALL US because now you can apply for your mortgage right online! Just click on any (or all) of the links below, complete the short 1-minute application, and you'll get your decision FAST, often within minutes! So what are you waiting for? APPLY NOW ... and start living your dream!

Need to find out how much equity you have in your home? Click here for our Instant eAppraisal. It's fast, accurate, and VERY affordable.