If you would like to lower your monthly payments, Apply 1st Home Equity can help. Our experienced loan officers will find loan options that meet your needs at a payment you can afford. Our goal is to save you money by reducing your monthly payments while minimizing the interest you pay for home financing. If we can't save you money, we won't make you a loan. Find out today how we can get you the money you need at a payment you can afford. While other home equity lenders may have turned you down for one reason or another, we'll go the extra mile to earn your business. You can be pre-qualified in twenty-four hours. We strive to close your loan in as little as 7 days. Your online search for a great refinance or 2nd mortgage is over, because Apply 1st Home Equity has the diverse loan products that will get you the money you been looking for. We're a national mortgage company with a goal to help you find the home equity loan you have been looking for.

Debt Consolidation Loans
Homeowners should refinance their high interest loans that encourage you to consolidate credit card debt. Debt consolidation loans are great avenues for lowering your monthly payment & possibly gain tax advantages. Loan amounts from $20,000 to $500,000 help pay off high-interest balances, replacing them with one lower monthly payment. Refinance the debts into a loan that translates into lower monthly payments, saving you as much as 60%! That means instead of paying $850 a month for your credit card bills, your payment could be reduced to $460. I’m sure that you would like to have an extra $4,680 at the end of the year.

Second Mortgage (Home Equity Loans)
A loan for any purpose that is secured by your home, also called a home equity loan, that allows you to borrow up to 125% of the value of your home. Home Equity Loan interest rates can be much lower than high-interest-rate credit cards. Fixed simple interest loans can reduce your debt load significantly.

Mortgage Refinance Loans
A new mortgage on your home, which may include paying off your existing mortgage with the loan proceeds, obtaining cash, or consolidating bills and other loans.

Home Equity Lines
A credit line for any purpose that is secured by your home, also called a home equity loan, that allows you to borrow up to 100% of your home equity. Home equity credit lines have variable interest rates that revolve like credit cards. The payments due each month are based on the amount of money that you have used, rather than the entire line amount like a home equity loan. Financing home improvement costs and creating a reserve savings are the two most common reasons why people take out home equity lines of credit.

2nd Mortgage Rates
The interest rates for 2nd mortgage loans can be fixed or adjustable depending upon which type of equity loan you chose. If you choose a 2nd mortgage with a fixed interest rate, then you will get a lump chunk of cash at closing. the 2nd mortgage payment will be the same for the entire term. If you get a home equity line of credit, then you will have an adjustable rate, and only interest will be due for the draw period.

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