Apply 1st Home Equity looks beyond your credit scores. Even if others have turned you down, the Apply 1st Home Equity wants to earn your business.

Refinancing and consolidating your debt with our Mortgage Refinance Center can lower your monthly payments significantly. You can receive cash out in your loan for Home Improvements, investments, debt consolidation, or even a "much needed" vacation.

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.

Refinancing may be the solution you have been searching for. If you can save money and get some money back, a refinance loan sounds like a good bet. Choose from adjustable rate mortgage or fixed rate loans. The interest will usually be lower for the adjustment period. Choose from an interest only loan, or a negative amortization payment that has a special introductory interest rate that starts at 1.5%.

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*See your tax advisor for details.

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