Home Equity Line of Credit - Flexible access to your home's equity with revolving credit and competitive rates for renovations, education, or debt consolidation.
Unlock the power of your home's value with flexible financing that adapts to your needs
A HELOC is a flexible, revolving line of credit that allows you to tap into your home's equity—when you need it, how you need it. Whether you're remodeling your home, consolidating debt, covering education expenses, or planning for unexpected costs, a HELOC gives you financial breathing room without refinancing your current mortgage.
Determine your combined interest rate when using both your primary mortgage and HELOC. Get a clear picture of your overall borrowing costs across multiple loans.
A blended interest rate is the weighted average of all your outstanding loan rates. It gives you a single rate that represents the overall cost of your combined debt.
This calculation is particularly useful when you have multiple loans like a primary mortgage and a HELOC with different interest rates.
*This calculator provides estimates only. Actual rates and terms may vary based on creditworthiness, loan-to-value ratio, and other factors. Contact Equitable Lending for personalized rates and terms.
From first-time home buyers to seasoned investors, we offer comprehensive mortgage solutions tailored to your unique needs
Direct financing solutions for first-time home buyers and seasoned investors.
Unlock potential savings by refinancing your existing mortgage with ease.
A strategic option for seniors looking to access home equity.
Flexible borrowing solution using your home's equity for cash flow needs.
Leverage additional financing options alongside your primary mortgage.
Specialized lending solutions tailored for real estate investors.
Flexible mortgage options for unique borrowing situations.
Discover why our clients choose us for their mortgage and lending needs
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"Equitable Lending made the process of securing a loan for my new home straightforward and stress-free. Their team was knowledgeable and genuinely cared about my needs. I couldn't be happier!"
"I was pleasantly surprised by how easy Equitable Lending made refinancing my mortgage. They provided clear guidance and great support throughout the entire process."
"If you're looking for fast and reliable lending services, Equitable Lending is the way to go! They helped me understand every part of the process. Thank you for making it easy!"
Understanding the key requirements helps you prepare for a smooth mortgage application process
Conventional loans typically require a score starting at 620, while FHA loans may accept scores as low as 500.
Proof of steady income through pay stubs, tax returns, or bank statements to ensure your ability to repay the loan.
Most lenders prefer a DTI ratio under 43%. This measures your monthly debt obligations compared to income.
Conventional loans: 3-5%, FHA loans: 3.5%, VA loans may require 0% down.
Eligibility differs based on property type: primary residence, second home, or investment property.
Some loan options require proof of U.S. citizenship or legal residency status.
We are a Direct Mortgage Lender specializing in comprehensive lending solutions. Our slogan is "Mortgages Made Easy." Bring any other lender's offer to us, and we'll likely beat it!
or have peace of mind knowing you got the best deal available
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Located in the heart of Los Angeles, we're here to serve your mortgage needs in person.