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Stretching the Limit - 125% Home Equity Loan

Your home may be worth more than you think, even if the equity you’ve accrued is minimal. While most bank lending programs limit you to less than your home's full market value, eligible borrowers may be able to borrow from $15,000 – $125,000 or more through the MortgageEase 125% Home Equity Loan Program. Even if your equity is nominal, you may qualify for this program, which can value your home at 125%, then loan you the difference between this amount and the balance of your first mortgage balance.

For example:  Imagine your current home is worth $100,000, and your first mortgage is $95,000. With the $125% Over Equity loan, you'd be able to borrow the difference between what you owe ($95,000) and the value of the house at 125% (which would be $125,000).  In this case, you could borrow $30,000, or $125,000-$95,000.

It’s obviously difficult to acquire equity in this loan program. So you’ll want to be cautious—make sure stretching the equity limit doesn’t mean extending your financial limits! Still, for prudent borrowers there are advantages: 

  • Use this loan to consolidate debt.  Consider the savings by using this home equity loan to consolidate debt and pay off high-interest rate credit cards. Consider the reduced burden — and stress! — that comes when you reduce your monthly payments and the total number of bills you pay. Juggling bills? Too many due dates? Damaging your credit? Alleviate late fees, high interest, cash advances and risk of collections, along with the dire consequences to your credit score.
  • Use this loan to create a more convenient, affordable fixed payment. Talk to us about your closing options to get a loan with the lowest possible interest rate and monthly payment. And you’ll never be surprised again when interest rates climb. Best of all, many borrowers find a single payment, with a single due date is much easier to manage and the biggest step to getting finances back in control.
  • Use this loan to reduce taxes … advance education or to extend income possibilities. Maybe a 125% equity loan is part of your tax strategy to reduce liability or your life strategy to advance your education and employment potential or another income opportunity. 

Whatever your financial need, at MortgageEase it’s a mortgage made easy

Your MortgageEase consultant makes the 125% Home Equity loan application easy and convenient. Your documents may be submitted by e-mail, phone and fax, and you can count on us to see it through.         

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