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HELOANGuide.com.!
As a trusted national mortgage lender, we pride ourselves on empowering homeowners with tailored second mortgage solutions. Let's unlock the potential of your home's equity together.
About Us
At HELOANGuide.com, our greatest asset is our team of dedicated lending experts. With years of industry experience and a deep understanding of the ever-evolving mortgage landscape, each member brings a wealth of knowledge and an unwavering commitment to serve our clients. Our lending experts are not just professionals; they're enthusiasts who are passionate about helping homeowners unlock the potential of their homes. From understanding the intricacies of the latest regulations to navigating the complexities of individual financial situations, they're equipped to guide you through every step of the lending process. What truly sets our team apart is the personalized touch they bring to each interaction. They recognize that every homeowner's journey is unique, and they're dedicated to finding solutions tailored to each individual's needs. Their approach is not transactional; it's relational. Our experts invest time to understand your aspirations, concerns, and financial objectives, ensuring that the guidance you receive is both informed and relevant. With a track record of excellence, a passion for service, and an unwavering dedication to integrity, our lending experts stand ready to assist you in achieving your financial goals.
HELOAN
A Home Equity Loan (HELOAN) is a fixed-term loan where homeowners borrow a lump sum based on their home's equity. It typically comes with a fixed interest rate and requires regular repayments, similar to a primary mortgage
HELOC
A Home Equity Line of Credit (HELOC) is a revolving credit line allowing homeowners to borrow against their home's equity. Unlike a fixed loan, a HELOC provides flexibility, letting borrowers draw and repay funds as needed, typically with a variable interest rate.
2nd Mortgage
A second mortgage is an additional loan taken on a property while the first mortgage is still active. It's secured by the home's value and typically has higher interest rates due to its subordinate position in case of foreclosure.
2nd Mortgage Loan Products
A second mortgage is a type of subordinate mortgage made while an original primary mortgage is still in effect. In essence, it's a second loan that's taken out on a property in addition to a first, or primary, mortgage.
Home Equity Loan | HELOAN
This is a lump-sum loan that provides homeowners with a one-time amount based on the equity in their homes. Typically has a fixed interest rate. The loan is repaid in regular monthly installments over a set term, similar to a first mortgage.
Home Equity Line of Credit | HELOC
This is a revolving line of credit, similar to a credit card, where homeowners can borrow up to a certain limit and draw on the line as needed. Typically has a variable interest rate. HELOCs usually have a "draw period" during which you can access the funds, followed by a "repayment period" where you repay the borrowed amount.
Piggyback Loan
Sometimes used by homebuyers to avoid paying private mortgage insurance (PMI) on their first mortgage. The borrower takes out two mortgages simultaneously: the first mortgage covers 80% of the home's purchase price, and the piggyback or second mortgage covers part of the remaining balance (e.g., 10%), with the buyer providing the rest as a down payment.
You're Team of Lending Experts
At HELOANGuide.com, our greatest asset is our team of dedicated lending experts.
With years of industry experience and a deep understanding of the ever-evolving mortgage landscape,
each member brings a wealth of knowledge and an unwavering commitment to serve our clients.
Ted Canto
NMLS: 228393 - Veteran
Owner & Arizona Branch Manager
Aimee Heers
NMLS: 2005125
Owner & Hawaii Branch Manager
Kyle Jessee
NMLS: 1212644
Owner & Maryland Branch Manager
Jason Wood
NMLS: 317293 - Veteran
Owner & Nevada Branch Manager - VA Loan Guy
Shawn McCaffrey
NMLS: 1008204
Owner & Pennsylvania Branch Manager
What's Clients Says?
From their firsthand experiences and stories, gain insights into the quality, trustworthiness, and expertise we bring to the table.
These genuine reflections from real customers showcase our commitment to excellence and the difference we've made in their lives.
Get in touch
Ready to make the most of your home's equity? Navigate your options confidently with experts who care. Contact HELOANGuide.com
Today and let us guide your way to smart financing.
Contact Us:
Welcome to HELOANGuide.com – your comprehensive guide to Home Equity Lines of Credit. We are proud to be powered by the award-winning national mortgage lender, American Mortgage Network.
Address:
347 3rd Ave 2nd Floor Chula Vista CA 91910
Email:
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