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What is a Home Equity Loan?
Home Equity is the difference between what your house is worth and how much you currently owe (balance on your mortgage). A home equity loan is actually a "second mortgage" loan on your home and, as such, is a separate loan payment from your present mortgage payment.

What is an Equity Line of Credit?
An Equity Credit Line or a Home Equity Line of Credit is a revolving line of credit that works like a credit card. You use the money as you need it, repay all or a portion of it and use it again as often as you’d like. You only pay interest on the amount you use, and the interest rate will fluctuate according to financial market conditions.

What is a Home Improvement Loan?
Home improvement loans allow you to take cash stored up in your home equity and use it to finance construction projects. The best home improvement loans are fully amortized with a fixed rate placed in second position on the title of your home. Because an online home improvement loan is essentially an equity loan or second mortgage, a major advantage is your ability to write off the interest on your payments.

What is a Refinance Loan?
A refinance loan allows you to lower your First or Second Mortgage rate and thereby save money. Change the rate of your loan term, access fast cash and more.

What is a 125% No Equity Loan?
A 125% no equity loan, also known as a no equity loan allows exceed the appraised value and borrow an additional 25% worth of equity. Homeowners are able to pay off credit cards, installment loans, and unsecured loans as well. Consolidating your bills into one mortgage payment can reduce your monthly expenses by a few hundred dollars.

**The downside of 125% no equity loans is that you may be borrowing more than your home is worth.