Update: Total Mortgage is still closing loans during the government shutdown.
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HELOC

put your equity to work

quotes

I can't say enough about your professionalism, honesty, and great service. You can bet that if I proceed with a purchase, you will be my first call. I hope I get the opportunity to refer some business your way.

-Rob

the perfect loan for

big projects and worthy endeavors

A home equity line of credit (or a HELOC) is a loan that uses your equity as collateral. Like a credit card, you borrow what you need—so long as it’s within your limit—and then make payments on what you borrowed with interest added. Unlike a credit card, HELOCs tend to come with lower, more affordable interest rates. This makes them a good choice for repairs, renovations, investments, or other large but responsible purchases.

Happy Couple

Make better use of your money.

benefits

  • The cash to put your plans in action
  • No closing costs
  • Generally has a lower interest rate, compared to other lines of credit

requirements

  • An updated home appraisal
  • A debt-to-income ratio at or under 45%
  • A credit score of at least 700

*Terms and conditions apply.

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