Home Equity Loans

Improve Your Credit

A home equity loan is the most direct way to pay off your creditors, consolidate debts, reduce your monthly payments, and repair your credit. In about six months, provided you've controlled your credit card spending, you'll have good credit and can qualify for better loans.

Here's What You Need To Do
Consolidate Your Debts Your home equity loan should pay off all your creditors, so you have only one low bill to pay each month.	Get The Lowest Monthly Payment Possible Your goal is to build a good payment record, so you want the lowest monthly payment that you can get. You can refinance later with better credit.

Here's What You Need To Do

Consolidate Your Debts

Your home equity loan should pay off all your creditors, so you have only one low bill to pay each month.

Get The Lowest Monthly Payment Possible

Your goal is to build a good payment record, so you want the lowest monthly payment that you can get. You can refinance later with better credit.

Here's The Type of Loan You Should Consider
30 Year Balloon Due in 15 Years, Fixed Second Mortgage By spreading your payments out over 30 years, you get the lowest possible monthly payments. While you don’t build back equity as quickly, you do have enough breathing room to fix your credit and refinance later. This loan works best for people who are only planning on staying in their home for a short while.

Here's The Type of Loan You Should Consider

30 Year Balloon Due in 15 Years, Fixed Second Mortgage

By spreading your payments out over 30 years, you get the lowest possible monthly payments. While you don’t build back equity as quickly, you do have enough breathing room to fix your credit and refinance later. This loan works best for people who are only planning on staying in their home for a short while.