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Spring EQ
Philadelphia, United States
101-250 Employees
2016
Key takeaway
Spring EQ offers home equity loan options up to 95% of your home value for qualified borrowers, providing a streamlined process to access cash through home equity, whether for refinancing or cash-out loans. Their services cater to typical applicants by requiring essential documents while simplifying the borrowing experience.
Highlighted product
Core business
Spring EQ Home
Spring EQ is the fast, easy, simple mortgage lender. Access cash and save on home equity, Home Equity Line of Credit HELOC, refinance and cash out loans.
Mountain Valley Community Bank
Gainesville, United States
51-100 Employees
-
Key takeaway
Mountain Valley Community Bank offers expertise and guidance on home equity lending, whether you need advice or are considering refinancing.
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Core business
Mountain Valley Community Bank
Peoples Home Equity
Las Vegas, United States
501-1000 Employees
2007
Key takeaway
Peoples Home Equity is a trusted lender that offers a wide array of loan programs, including options for home equity lending. Their commitment to personalized solutions and rapid turn times ensures that they can meet unique financial needs effectively.
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Product
VA | Peoples Home Equity
EquityNow
Village of Mamaroneck, United States
1-10 Employees
1984
Key takeaway
Equity Now Inc. offers various home equity lending options, including home equity loans and lines of credit. With a strong reputation and digital pre-qualification processes, they assist clients in accessing funds to leverage their home equity effectively.
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Core business
Home - Equity Now Inc.
Reverse Mortgage Funding LLC
Bloomfield, United States
251-500 Employees
2012
Key takeaway
As you consider loan options for financial peace of mind in retirement, Reverse Mortgage Funding highlights the benefits of a Home Equity Conversion Mortgage (HECM) as a viable alternative to traditional home equity loans, especially given the current restrictions from traditional lenders.
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Core business
How to Choose a Lender
Deciding to obtain a Home Equity Conversion Mortgage (HECM) is a significant financial decision and should be treated as such. It is equally important for homeowners to choose a lender that is committed to helping them pick the Reverse Mortgage option that is best for their needs. Potential borrowers do not need to work with a financial adviser to get a HECM, however many financial advisers encourage their clients to look into HECMs as a financial planning option. Potential HECM borrowers...
Inspire Closing Services
Moon Township, United States
501-1000 Employees
-
Key takeaway
Inspire Closing Services specializes in providing a seamless and professional closing experience, which is crucial for home equity lending. They offer a comprehensive suite of title insurance and settlement services, along with interactive tools designed to enhance the closing process, ensuring client satisfaction even after the mortgage closes.
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Service
Home Equity – Inspire Closing Services
Lending Edge Mortgage Company
Austin, United States
11-50 Employees
-
Key takeaway
Lending Edge Mortgage is a Texas-based mortgage banker that offers a variety of residential loan programs, making it a potential resource for home equity lending. Their commitment to customer service and reputation as "The Lender of Choice" underscores their focus on building lasting relationships with clients.
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Core business
Home - Lending Edge Mortgage
Mortgage Loans for All Texas / Dallas / Fort WorthCall for Other State Availability! Lending Edge is Your Mortgage Lender in Texas Whether you are purchasing a new home or an existing home, it is important to first find out which type of loan is best for you and your family. We make the loan...
Data Tree
Santa Ana, United States
501-1000 Employees
1987
Key takeaway
First American Data & Analytics offers comprehensive home equity solutions that assist lenders in identifying potential Home Equity Lines of Credit (HELOC) customers and enhancing their due diligence processes. Their extensive data support helps minimize risk and ensures the integrity of borrower documentation.
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Product
Home Equity Solutions from First American Data & Analytics
Our home equity solutions help lenders identify potential HELOC customers & aid in their due diligence of reviewing borrower documentation & minimizing risk.
Starion Bank
Bismarck, United States
251-500 Employees
1969
Key takeaway
Starion Bank offers home equity loans and lines of credit, allowing you to borrow against your home's value for various needs like home improvements or emergencies. Their expert team is ready to help you explore these options and secure a loan that fits your financial goals.
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Core business
Home Equity Loan | Home Equity Line of Credit | Starion Bank
A home equity loan or line of credit from Starion Bank allows you to borrow against the value of your home. Learn more about your options online.
Equity Wave Lending Inc.
Irvine, United States
11-50 Employees
-
Key takeaway
Equity Wave Lending, Inc. specializes in providing private money loans, including 1st and 2nd trust deeds, which can be relevant for those exploring home equity lending options. With a focus on fast and reliable service, they offer real estate loans on various properties, making it easier for customers to access funds.
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Core business
Equity Wave Lending *Official Site*: Fast & Reliable Private Money Lender, 1st, 2nd & 3rd Trust Deeds
Welcome to the Official Site of Equity Wave Lending, we are a California direct private money lender offering hard money loans, trust deed investments, mortgages & business purpose loans.
Technologies which have been searched by others and may be interesting for you:
Home equity lending refers to the process of borrowing against the equity built up in a homeowner's property. Home equity is the difference between the current market value of the home and the outstanding mortgage balance. This type of lending allows homeowners to access funds for various purposes, such as home improvements, debt consolidation, or major purchases. Typically, lenders offer home equity lines of credit (HELOCs) or home equity loans, which can provide significant amounts of capital at relatively lower interest rates compared to unsecured loans. These lending options leverage the value of the home, making them attractive for those looking to tap into their financial resources without selling their property.
Home equity lending allows homeowners to borrow money using their home as collateral. This type of loan is based on the equity that homeowners have built up in their property, which is the difference between the home's current market value and the outstanding mortgage balance. Typically, lenders will assess the homeowner's creditworthiness and the amount of equity available to determine the loan amount and interest rate. Once approved, homeowners can receive the funds as a lump sum, a line of credit, or through a second mortgage. The borrowed amount is then repaid over time, usually through monthly installments. It's important for borrowers to understand that defaulting on the loan can lead to foreclosure, as the home serves as security for the loan.
1. Access to Funds
Home equity lending allows homeowners to tap into the equity built up in their property, providing a source of funds for various needs such as home improvements, debt consolidation, or significant expenses. This is often a more affordable option compared to unsecured loans due to lower interest rates.
2. Tax Benefits
Interest paid on home equity loans may be tax-deductible in certain cases, making it a financially savvy choice for homeowners. This potential deduction can significantly reduce the overall cost of borrowing, enhancing the appeal of home equity lending.
Home equity lending carries several risks that borrowers should carefully consider. One significant risk is the potential for foreclosure. If a borrower cannot meet their repayment obligations, the lender may have the right to seize the home, leading to a loss of property. Another risk involves fluctuating property values. If the market declines, homeowners may owe more than their property is worth, resulting in negative equity. Additionally, borrowing against home equity can lead to over-leverage, where homeowners take on too much debt relative to their income and assets, increasing financial strain.
Eligibility for home equity lending typically includes several key factors. Lenders usually require borrowers to have equity in their homes, which is the difference between the home’s current market value and the outstanding mortgage balance. A common threshold is having at least 15-20% equity. Additionally, lenders assess credit scores, with a minimum score often ranging from 620 to 700, depending on the lender. They also examine income and debt-to-income ratios to ensure borrowers can manage monthly payments. Other factors may include employment history and overall financial stability, which help lenders evaluate the risk of lending.
Some interesting numbers and facts about your company results for Home Equity Lending
| Country with most fitting companies | United States |
| Amount of fitting manufacturers | 3619 |
| Amount of suitable service providers | 6655 |
| Average amount of employees | 251-500 |
| Oldest suiting company | 1969 |
| Youngest suiting company | 2016 |
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Some interesting questions that has been asked about the results you have just received for Home Equity Lending
What are related technologies to Home Equity Lending?
Based on our calculations related technologies to Home Equity Lending are Education, Engineering Services, IT & Technology Services, Healthcare Services, Consulting
Which industries are mostly working on Home Equity Lending?
The most represented industries which are working in Home Equity Lending are Finance and Insurance, Other, Real Estate, IT, Software and Services, Construction
How does ensun find these Home Equity Lending Companies?
ensun uses an advanced search and ranking system capable of sifting through millions of companies and hundreds of millions of products and services to identify suitable matches. This is achieved by leveraging cutting-edge technologies, including Artificial Intelligence.
