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Chula Vista, California - Home Equity Loans search results Premier Listings

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Common Home Equity Loan Terms

A home equity loan can be used to fund any personal expense, from college tuition costs to a family vacation. As with any other debt, it is important to be informed before taking out a home equity loan, so you can successfully manage your finances. Below are six terms to be familiar with when researching home equity loans.

  • Home Equity Loan - A loan made against the equity a borrower has in their house, often, referred to as a second mortgage. Borrowers take out home equity loans to fund household remodeling projects, tuition costs, medical bills, or other personal expenses.
  • Home Equity Line of Credit - A line of credit established using a borrower's home as collateral. A borrower can take money from their credit line, up to an established credit limit, for a set period of time. Like credit cards, home equity credit lines often have minimum monthly payments.
  • Unsecured Debt - A type of debt that is not backed by collateral in the event that a borrower defaults. Examples of unsecured debt include student loans, personal loans, and credit card debt.
  • Secured Debt - A type of debt that is supported by collateral if the borrower fails to repay what is owed. Examples of secured debt are mortgages and auto loans, in which a lender will take possession of a house or a car if the borrower defaults.
  • Fixed Rate - An interest rate that is set at the time a loan is originated and remains the same throughout the entire term of the loan.
  • Variable Rate - An interest rate that fluctuates with the market throughout the term of a loan. Variable interest rates are sometimes referred to a floating or adjustable rates.
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    Loan Island Mortgage Lending
    California, 00000
    Get assistance with your home equity loan in the local Chula Vista area with our experts. Providing personalized services to help you manage your home equity loan and improve your credit.
    Lendingtree, Llc
    Whether you are a new home owner or an existing owner we have the right Chula Vista area home equity loans for you. Leverage the worth of your property by choosing our home equity loans in your area.
    (1) Review Write a review
     
    User Review: "I have prefered to use the lendingtree.Com for the housing loan because they are faster and easy to use, they have good..."
    Home Loan Center.com
    Irvine, CA 92618
    Let our experienced professionals show you how simple it can be to get a great home equity loan in the local Chula Vista area. Offering the highest level of customer service to help you!
    Ntl Home Equity Mortgage Assoc
    Washington, DC 20004
    If you're looking for the most respected source of home equity loans in the local Chula Vista area, just call our specialists. Offering the best rates to help you get the home equity loan you need.
     
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    Reverse Mortgage San Diego
    1133 6th Ave, San Diego, CA 92101
    A reverse mortgage can provide you the option of staying in your home with money from the equity that you have accumulated over time.
    (619) 356-2144
    Home Loans Directory
    8697 La Mesa Blvd #c, La Mesa, CA 91941
    Providing you with professional Chula Vista home equity services as well as various other loan services. Find low rates with our Chula Vista home equity loans.
    (888) 390-0777
    Express Funding Mortgage Co
    1237 Camino Del Mar Ste I, Del Mar, CA 92014
    With 16 years of quality service experience serving you, our mortgage company provides financing for residential real estate mortgage, purchases, refinancing, cash out loans, investment and properties.
    (858) 259-3980
    Springleaf Financial Services
    565 Telegraph Canyon Rd, Chula Vista, CA 91910
    (619) 421-1717
    Mortgage Partners Inc
    737 3rd Ave Ste I, Chula Vista, CA 91910
    (619) 409-9512
    Quick Stop Mortgage
    569 3rd Ave, Chula Vista, CA 91910
    (619) 827-1701
    CRM Financial Services Inc
    36 N Euclid Ave, National City, CA 91950
    (619) 906-5565
    Reece Financial
    36 N Euclid Ave, National City, CA 91950
    (619) 262-7582
    Canez Tax Service
    229 F St, Chula Vista, CA 91910
    (619) 425-1040
    Sam Calvano Home Loans
    4386 Bonita Rd, Bonita, CA 91902
    (619) 470-8100
    Western Mission Mortgage
    1003 Isabella Ave Ste C, Coronado, CA 92118
    (619) 437-8322
    Sdr Financial-Larry Sand
    1224 10th St, Coronado, CA 92118
    (619) 437-1828
    Ruff Real Estate Services
    5120 Robinwood Rd, Bonita, CA 91902
    (619) 267-1414
    Charles J and Associates
    4045 Bonita Rd, Bonita, CA 91902
    (619) 475-8096
    Aflah Realty
    4045 Bonita Rd Ste 108, Bonita, CA 91902
    (619) 479-7000


    Home equity, which can also be referred to as real property value, is the difference between what is still owed by a person on a mortgage loan, and the market value of the house. If the home value goes up, or the home owner makes a huge payment on the house, then the home equity increases. Likewise, it can depreciate if home values drop. Many home owners who have excellent credit take advantage of this by taking out a home equity loan. Equity loans on a house borrow against the perceived equity value that a person has in his or her house. These loans often require near perfect credit, are limited by home values, and are considered a secured debt, specifically because it borrows against the actual property, as opposed to the property owner. If the mortgage or payment is defaulted on, the bank can actually sent the house into foreclosure. Unsecured loans, on the other hand, the borrower can be held personally responsible for, like student loans. Different banks will have different offers when getting the money to you. Typically in a house equity loan, it is a private loan with a fixed interest rate, the money is delivered in a lump sum, and it takes a great deal of time to process all of the personal information. However, for house owners that need instantaneous funding, some agents might offer fast, direct loans, but with a higher interest rate. Before taking out any loans, make sure to do some research online about all of your options. Because there are so many options available out there, it is worth taking the time to be well versed on the subject.
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