Our Home Equity Loans And Credit Lines Are Done Dirt Cheap!

In fact, our home equity loans and credit lines are better than cheap. All of our home equity loans and credit lines have absolutely no closing cost! That’s right. You pay nothing at all.

People just like you are locking in enormous savings by consolidating their bills and paying off high interest rate debt. Learn how you too can better manage the equity in your home.

Greg Isenberger

Borrowers have an endless array of financing options to consider these days in terms of buying a home and refinancing their mortgage. And the same can be said about getting a home equity loan or home equity line of credit.

You can choose a fixed rate or an adjustable rate. You can decide on a home equity program that offers a line of credit. Or, you can choose to get a lump sum one-time home equity loan. The monthly payments can be setup on a fully amortized basis. Or, you can go with a home equity program that allows for an interest only payment option.

We know you have a lot of options out there to choose from. You can count on us to provide the best home equity loans and lines of credit. Whether you live in Charlotte, Tampa, Raleigh, Miami, Ashville, Jacksonville, Chapel Hill, Orlando, Greensboro, Clearwater, Wilmington, Saint Petersburg, the Outer Banks or down in the Florida Keys, regardless of where, we can help you with a great Home Equity Loan or Credit Line in North Carolina and Florida.

Because our home equity loans and credit lines have no closing cost, they are often more affordable than carrying debt on credit cards, department store cards, auto loans, boat loans and etc. Why is this so? Because your interest rate will be lower, again you pay no closing cost and the interest you pay should be tax deductible.

As you know, the equity in your home can be a great financial resource for you and your family. When you gain control of the equity in your home, you can put your equity to work for you in a positive way. You can start that long overdue home improvement project in the kitchen or master bathroom. Is it time to start that addition to your crowed house? You can fund your kid’s college education or perhaps even yours. How about real estate, is it time to buy an investment property?

Some people like to get a home equity line of credit just in case life takes a nasty turn for the worse. It’s a way to be prepared for an emergency or an unexpected and costly surprise. As you might already know, the best time to get a loan is when you really don’t need it.

Think about it. If something bad or unexpected happens, do you want to worry about being approved? Do you want to go through the process of applying for credit during this time? Chances are, if life happens to you, you would prefer not deal with this. Get in a ready position now, before you need it.

Look at it this way, if something bad or unexpected happens to you, and if your income, employment or even your credit is effected or hurt by this, would you still be approved for a home equity loan or credit line? Would your qualifications be effected?

Maybe you would still be approved, but the terms and interest rate could be less desirable. Of course, these are hypothetical situations. Assuming you don’t have 6 to 12 months in liquid assets or cash reserves, then for safety sake, a home equity line of credit should be considered.

Nowadays, many homebuyers are using home equity loans or credit lines along with a conventional first mortgage to buy a home with a small or no down payment. Because many first mortgage loans require private mortgage insurance if you don’t have a 20% down payment, by getting a first mortgage and home equity 2nd mortgage at the same time, this is a great way to avoid paying costly private mortgage insurance when you buy a home!

Home Equity Lines Of Credit Have Flexible Payment Options.

If you decide to get a Home Equity Line of Credit or Heloc, you’ll have three different payment options to choose from. You can have an Interest Only Payment, a Revolving Credit Payment and a Fixed Rate & Fixed Term Payment.

1. Interest Only Payment – With this option the minimum payment will be the accrued interest on the outstanding balance. If a minimum interest only payment is made, there will be no reduction in the principal balance. You are allowed to make larger payments than the minimum payment required. This payment option is best for short-term borrowing needs.

2. Revolving Credit Payment – With this option the minimum payment will be 1.5% of the outstanding balance. You are allowed to make larger payments than the minimum payment required. This payment option is suited for debt consolidation and large purchases such as furniture and major appliances.

3. Fixed Rate & Fixed Term Payment – With this option you can take advances in large lump sums. You can select a fixed term from as little as 1 year to as long as 10 years. The fixed rate will be determined by the prevailing rates, the amount of the advance and the period you wish to pay back the sum which was advanced. This payment option works well for large purchases such as a car or boat or for large expenses such as home improvement or college tuition.

It’s Super Convenient To Access Your Credit Line.

You will be able to access your home equity line of credit in two different ways. First, you can simple take out your check book and write a check from your Equity Line Checking Account. With this method, you get to decide on how the debt will be paid back. You can decide to pay back the debt with an Interest Only Payment, a Revolving Credit Payment or a Fixed Rate & Fixed Term Payment.

The second way to access you credit line is by making purchases via your Equity Line Credit Card. Like any other credit card, you can make purchases anywhere credit cards are accepted. You can even get cash advances with your Equity Line Credit Card. With this method of accessing your home equity line of credit, the Revolving Credit Payment is the only payment option.

How Do Home Equity Loans Differ From Home Equity Lines?

Unlike a home equity line of credit where you can access the account again and again, a home equity loan is one transaction. Once you get a home equity loan for let’s say $50,000, then that’s it. You can’t access your equity again. So, if you decide to go with a home equity loan, make sure you get the money you need the first time! Because the only way to get more money is to get a brand new home equity loan and payoff the old one.

Depending on the amount borrowed and the loan-to-value, home equity loans currently have lower interest rates than credit lines. Home equity loans also have fixed interest rates which gives anxious borrowers piece-of-mind because they know their monthly payments won’t skyrocket as interest rates jump higher.

Home equity loans are available with longer terms as compared to credit lines. Fixed Terms of 15, 20, 25 and 30 years are available. And because all our Home Equity Loans are fully amortized, your monthly payment includes some principal balance reduction. Additional principal payments are allowed.

Because of their fixed interest rates and longer fixed terms, many homebuyers these days are getting home equity loans with a 30 year term along with a conventional first mortgage loan. This is a great way to buy a home, especially if you don’t have a 20% down payment.

The combination of a first mortgage and a 2nd position home equity loan gets borrowers out of paying mortgage insurance. Since mortgage insurance can be very costly, it’s a good thing to avoid paying this. Depending on how these two loans are structured, the interest rate on the first mortgage can be lower than it otherwise would be if you got one loan for the entire amount borrowed.

You Will Work With One Of Florida’s and North Carolina’s Leading Mortgage Expert.

For the past 13 years I have personally handled over $250 million in mortgage loans. With more than a decade of experience, I know what it takes to get loans approved fast and to the closing table without a problem. I have helped thousands of people and families buy homes and better manage the equity in their homes.

Below are testimonials from people just like you who were extremely pleased about the service they received. We can help you too!

For the past 10 years I have been an active and recognized professional member of the Florida Association of Mortgage Brokers, North Carolina Association of Mortgage Professionals and the National Association of Mortgage Brokers.

I am regarded by my peers as a consummate professional and I know the mortgage business inside out. I have taken a countless amount of hours of federal and state continuing education to better help my clients.

More important than the millions of dollars in loans I have personally handled, all the continuing education I have had, numerous years of membership and dedication to my chosen field of expertise, what is most important are all the people and families I have been able to help! It’s very rewarding work and I am fortunate to be able to do it.

Well, that’s enough about me. I don’t want to continue on and on with all my credentials. And besides, I’m sure you’re more concerned about whether I get the job done and can delivery on what I say! After all, isn’t this really what you need to know?

Isn’t The Bottom Line Simply Just The Bottom Line?

Don’t you want to get a home equity loan or line of credit without getting whacked over the head with junk fees? Of course this is the case. Besides, we already told you that we have No Closing Cost on all of our home equity loans and credit lines.

Don’t you want personalized and hassle-free service? Don’t you want to work with someone you can trust? Do you want to work with someone who has many years of experience in getting loans approved and to the closing table fast? Of course you want this.

We can and will deliver for you! You won’t be disappointed. We believe you deserve straight talk and straight answers. Our Mortgage Consultants are upfront, honest and tell it like it is. You don’t have time for games and we don’t either. This means the Good Faith Estimate we give you will be accurate. You can count on it.

We Are The Home Equity Experts.

We’ll make sure you get the home equity program that best fits your situation and circumstances. This means you’ll have peace of mind knowing that you made all the right decisions and a financially sound move.

We never charge an application fee or any upfront fees. This means you risk no money to find out if you qualify or to see what we can do for you.

We will take the time to answer all of your questions, address your concerns and explain our home equity programs. This means you won’t be left in the dark and you will feel comfortable.

We know home equity loans and credit lines inside out. This means you can expect accurate information, speedy answers to your questions and the best home equity program.

We don’t get paid until your loan closes! So, we’re motivated to give you fast answers and to make the approval process as smooth and easy as possible.

You will work with a dedicated and seasoned Mortgage Professional. This means the process will be easier, less complicated and you will be approved much faster without a lot of hassle.

We believe we must earn our clients trust before we can earn their business. This belief means you’ll benefit from our professional and personalized service. You won’t be treated like a number.

You will work with a Mortgage Company that is all about personalized service. The same person will oversee your loan from start to finish. This means you will not be bounced and shuffled around from person to person. This makes it simple for you.

We originate and process all our loans. This means you’ll experience a smooth loan process and a quick closing. After all, don’t you have enough to worry about?

We love our job which is to help people. We are passionate about this and we are very good at what we do. We genuinely care about the people we serve. It’s not just about getting a mortgage.

You Will Benefit Tremendously When You Decide To Work With Us.

We understand that much of what we do and ask is considered very private for most people. You can rest assured that your private information will remain secure with us!

You absolutely risk no money for me to review your qualifications, get your home equity loan or credit line approved and send you a Good Faith Estimate in writing.

So there you have it. There are a lot of reasons why you should want us on your side.

Our Guarantee Is Solid, Simple and Real!

To show you how confident we are about the phenomenal service and amazing loans we provide to our clients, we guarantee your satisfaction.

No Questions Asked, No Problem, No Hassle, No B.S. and 100% Money Back Guarantee. If for any reason YOU are not completely satisfied and delighted about our service or the loan you are getting, just let us know. You can stop the entire loan process at any time and immediately we will return any and all money you have paid to us. It’s that simple.

We pride ourselves on providing outstanding and prompt service. So you can expect nothing but the best from us. We’ll take care of you.

Here’s what you can expect From Us:

#1 We will call you within 1 hour of receiving your fully completed on-line form provided that it is received during the weekday prior to 3:00 PM Eastern Standard Time. If your fully completed on-line form is received after this time or on a Holiday, then you will hear from us the next business day that we are open.

#2 After our initial phone consultation, we will tell you what we can do for you. And you’ll know what your loan will look like. In less than 24 hours you will know if your home equity request has been approved and what documentation will be needed!

#3 Our feedback will be fast and extremely accurate. You will receive a written Good Faith Estimate in writing. Best of all, YOU absolutely risk no money!

Every day I help people who want to buy homes, get their finances in order and better manage the equity in their homes.Our clients receive unbelievably low interest rates with extremely competitive fees.

We can help your get your finances in order, put your kids through college, buy your first home, buy rental properties or get that dream vacation home on the beach, lake or in the mountains.

Take the first step and Complete the On-Line Form Today. When you have completed the form, just submit it to us. And of course, it’s safe and secure. Click Here Now to go to our On-Line Form.

Sincerely,


Greg Isenberger
Mortgage Consultant

P.S. Not convinced that in as little as 24 hours you can literally be approved for the best home equity programs available today. Are you not convinced that people just like you are getting amazingly low interest rates with no closing cost to consolidate their bills and pull-out cash from the equity in their homes? If so, then call me directly at 888-568-9928.

P.S.S. Don’t believe that you can flat-out get the most awesome home equity loans and credit lines to do just about anything. Don’t believe that we can deliver for you on the type of loans we say we can with the most phenomenal service. If you don’t believe me then call me directly at 888-568-9928. The call is free. So, you have nothing to lose! I look forward to helping you.