Apply 1st Home Equity wants to earn your business. Apply 1st Home Equity can help. Our experienced loan officers will find loan options that meets your needs at a payment you can afford. Our goal is to save you money by reducing your monthly payments.

If you would like to lower your monthly payments, Apply 1st Home Equity can help.Our experienced loan officers will find loan options that meets your needs at a payment you can afford. Our goal is to save you money by reducing your monthly payments.

Do you have too much existing debt?
Conventional lenders will turn you down if they think you have too much debt. At Apply 1st Home Equity , our flexible lending criteria allow us to look at you, and your unique situation.

Consolidate your high-interest debt.
Consolidate high-interest debt such as credit cards. Your overall monthly payments will be reduced and may even be tax deductible.*

"No Income Verified"
Is your income difficult to prove? We have mortgage loans that do not require the standard income documentation. (like W2's)M

"Home Improvement Loans. "
Remodel the kitchen, paint your house, or landscape your yard to increase the value of your home.

"Past Credit Problems?... (Bankruptcy or Foreclosure)"
Even if you've had a bankruptcy, or foreclosure in the past, we will do our best to get you qualified.

Apply 1st Home Equity has been instrumental in setting the processing standards that direct the home lending industry online. 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.

Do you need cash for paying off credit card debt? Would you like to finance cash for home construction based on your Home Equity?

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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*See your tax advisor for details.

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