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Home Equity Loan Rates, Home Equity Credit Line, Home Equity Loans

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Home Equity Loan FAQ's

Home-Equity-Loans.org

Do your home equity loan rates beat your competition's rates?
Yes.  Because we put all of our focus into residential mortgage lending, we have more leeway in the world of mortgage banking.  Also, due to being an online company, we can work from many places throughout the world and save money on building costs, resulting in a low overhead.

 
Is there a difference between applying at a mortgage lender or a bank?
The only difference is what they call themselves.  Your main concern should be to obtain the lowest home equity loan rates possible - and to get everything guaranteed in writing like we do for you.
 
Should I apply for an adjustable rate or a fixed rate?
One is not necessarily better than the other.  It all depends on what your particular circumstances necessitate.  At Home Equity Loans.org, we have trained account personnel ready to analyze your case and divulge your options and the choices you can make. 
 
Can I get a rate in writing prior to applying for home equity loans?
At Home Equity Loans.org you can.  We understand that you are looking for the best rate possible, which is why we give all our home equity loan rates in writing.  We do this because not only do we want you to have confidence in us, we too are confident that we will give you the best rate you can get for a home equity loan online.   
 
What is significant about fees?
Just like home equity loan rates, fees vary with the lender.  At Home Equity Loans.org, you will see that our rates go hand in hand with our fees - Our loan packages and fees are the best online.
 
Is the application process overbearing and lengthy?
Surprisingly it is not.  Because we work online and inundate your application with high speed computer processing systems, not only can we approve home equity loans within one hour and have them signed within 24 hours, we have the power to lower home equity loan rates and fees.
 
What is Home Equity Loans.org classified as?
 
Technically, we are a mortgage broker.  Direct lending is our specialty, which entails that we help process loan approvals and find you the money required for closing a home equity loan.
 
Should I be familiar with the phrase "Bait & Switch"?
Indeed you should.  This term refers to the practice some lenders use when offering home equity loan rates.  During the application process they will quote you an amazingly low rate to "bait" you into signing.  However, once you sign, you are approved at a much higher "switched" rate than what they quoted you for. And once you sign, it is too late to turn back.  To avoid this type of bad business, demand and make certain all home equity loan rates and fees will be given in writing at the time of applying.  At Home Equity Loans.org, we do just that.
 
What steps can I make to be certain a lender is reputable and honest?
Touch base with the Department of Banking in the state you reside.  Mortgage bankers are usually monitored by this department.
 
Is it possible to receive loan prequalification?
At Home Equity Loans.org it is.  We understand that home owners are more inclined to sell when they see that a potential buyer has already been pre-approved. That's why we offer prequalification by giving you a maximum loan amount before you purchase a home.  Besides the peace of mind you have in knowing your loan has been approved, you will have more bargaining power with the seller!
 

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