Our home equity line of credit and home equity loan products range from stated income to zero cost, 3.95% and below, up to $300,000!
Let us help you choose the home equity product that is right for you. Apply online easily with our short credit line application.
 

Zero Lender Fee Cost Home Equity Line of Credit*
Choose a Product
- Zero Cost Credit Line
- 125% HELOC
- Bad Credit Equity Loan
- Stated Income HELOC

- Calculator

Line of Credit Tools
- What is a Home Equity
     Line of Credit?

- What is a Home Equity
     Loan?

- Home Equity Line of
     Credit vs. Home
     Equity Loan

- How a Home Equity
     Line of Credit Works

- Qualifying Guidelines
- Variable vs. Fixed


Credit Services
- Credit Repair Center

 
The zero lender fee cost home equity line of credit is one of the most unique loans offered anywhere. If you have lived in your home for more than 6 months and developed some equity you can borrow up to 100% of your homes value at a zero origination cost from our lender. This means your 1st mortgage balance plus the amount of the line of credit can equal up to 100% of your homes appraised value. The loan term is for 30 years with a 10 year draw period and a 20 year repayment period. The best part is you can borrow up to $300,000 and there is no prepayment penalty if you pay the loan off early.

To pre-qualify for the Zero Cost HELOC please go to our simple online application and we will contact you shortly with a pre-approval.

Quick Loan Overview and Guidelines
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 - 30 Year Period (10 Years Draw / 20 Years Payback)
 - Variable Interest Rate Loan (Fixed Rate Home Equity Loans)
 - Cannot be behind a Negative Amortizing 1st Mortgage
 - No Bankruptcy's in the last 36 Months

Is this not the loan you are looking for? Look Here.
 - New Homeowner Home Equity Line of Credit
 - No Income Verification Equity Line
 - Bad Credit Home Equity Loan

* The Lender offers this loan to Security Pacific Financial at a zero cost to you. Security Pacific Financial may still add broker origination points to the loan.

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Things you should know before applying for a home equity line of credit or "credit line":

1. Find your Homes Value
2. What is the Line of Credit for?
3. How much do you need?

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