Veronica G

HELOC / Home Equity Line of CreditThe HELOC / Home Equity Line of Credit is a 30 yr product. There is a 5-year interest-only draw period, and 25-year amortization repayment period*. The product has...

The HELOC program uses a waterfall approach to income verification, prioritizing automated methods before resorting to manual reviews.Please note that we uses a third-party vendor to confirm employ...

AVM Valuation - 30 daysHard Experian FICO8 credit pull - 90 daysIf any of these pass the expiration date, they will be rerun and may cause updates to the HELOC offers (HELOC loan amount, CLTV, etc). 

Eligible Property TypesSingle Family Residence 2-4 Units PUD / Townhome / Condo (Warrantable and Non-Warrantable) Modular Homes (Factory-Built) Ineligible Property TypesAgricultural Zoned Propertie...

There are no pre-payment penalties for the HELOCs. 

If a debt is reflected on the borrower’s credit report, the borrower is personally liable for the debt and it must be included in the debt-to-income ratio. Debts paid by the borrower’s business or ...

Our HELOC program does not store the username or password and cannot view the credentials during entry. It is the most effective way for us to protect your information securely against fraud or una...

For both a 1st & 2nd lien loan, the minimum loan amount is $25,000 and maximum loan amount is $750,000*For borrowers with FICO score between 600 to 639, the maximum loan amount is $250,000*For borr...

Bankruptcy (Chapters 7, 11, 13)Four years from the discharge or dismissal dateForeclosure / Deed-in-Lieu / Short SaleSeven years from the discharge datePre-Foreclosure/Deed-in-Lieu/Short SaleFour y...

Equifax FICO 8 is utilized for both the soft and hard credit pullsMinimum 600 FICO for Owner OccupiedMinimum 640 FICO for 2nd HomeMinimum 700 FICO for Investment PropertiesFor FICOs 600-679, the ma...