Home Equity Loan Guide

BD Nationwide Mortgage provides a comprehensive guide for outlining various types of home equity loan products. Our lending team will help you consider both fixed and variable interest rate loans for purposes of getting cash out, loan refinancing, consolidating debts and purchasing a new home.

Key Home Equity Factors

  1. Combined Loan to Value (1st and 2nd mortgage balance -Divided by Property Value
  2. Credit Scores (what are your three fico scores?)
  3. Debt to Income ratio (Take your monthly income -Divide it by your total obligations monthly.)
Fixed Rate Home Equity Loans
Home equity loans are second liens with fixed interest rates. The fixed rate equity loans mortgages offer a lump-sum with fixed payment schedules. (10, 15, 20, 25 or 30 year fixed rate second mortgage). In today's volatile market, most experts suggest the fixed rate home equity loan because they have fixed terms and rates offering a hedge against inflation.
Home Equity loans to 125% Refinancing
1st mortgages and equity loans can be refinanced together can significant increase your cash flow.
Fixed Second Mortgage Mortgage Loan Consolidating
Refinance your 2nd mortgages with your high rate bills for lower monthly payments.
125% Home Equity Loans
Check out the 125% loans that require no equity in your home. These 125% loans are second mortgages that enable you to exceed the value of your house. Fixed rate equity loans up to 125% combined loan to value. No equity in your home is required! First Time home-buyers OK! Credit Rating: Good or Excellent. Key qualifiers: residual income, credit score, and full documentation.
Home Equity Loan Company
Find out what loans Nationwide has that can benefit you. Learn more about our financing strengths.
Equity Debt Consolidation
Eliminate your adjustable interest rate account and consolidate into a fixed interest 2nd mortgage.
Interest Rates
The rates for equity loan programs change daily so it is important to always get the updated rates for possible interest reduction opportunities.

Equity Loan Refinancing
Consumers have found refinancing their credit line to be one of the quickest ways to save money and gain peace of mind with a fixed interest payment.

Home Equity Loan Consolidation
Many homeowners are using equity loans to consolidate and refinance loans for better terms and lower payments.
Loans behind Deferred Interest Amortization
It is almost impossible to get a home equity line or loan if you currently have a payment option 1st mortgage. Nationwide is one of the last companies that still offer home equity financing behind negative amortization liens.
Bad Credit Home Equity Loans
We offer sub-prime home equity loans for homeowners who have less than perfect credit and who may still be hindered by low credit scores.
Home Equity Line of Credit
Sometimes homeowners do not know exactly when they will need to access money. Whether you are considering home improvement financing or just want to be able to get money in case of an emergency, a home equity line of credit may be the solution you have been searching for.

Preferred Loan Type
Property Type
Property Value
Credit Rating

Resource Tools

Loan Comparison Calculator
This calculator will help you to compare the total mortgage interest charges of 4 types of loans.

Debt Investment Calculator
Understand how much interest you can save by eliminating debt.

Exclusive Loan Videos

Free Finance Guides & Helpful Consumer Reports

Take advantage of our free guides and disclosures that help 1st time homebuyers.

Equity Credit Line Fed Tips
Understanding Credit Scores
Premium Home Equity Loan Products:
Home Improvement Loan | Home Equity Refinance | Fast Cash | Stated Income Home Equity Loans | Discount Home Equity Loans | Debt Consolidation | Shopping for a Home Equity Line | Credit Lines for Emergencies | Eliminating High Rate Debts | Closed End Loans | Second Mortgages | Home Equity Loans for First time Homebuyers | No Income-No Asset Home Equity Loan | Cash-Out Home Equity loans for Investing | Compare Home Equity Loans | Cash Out Refinance
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BD Nationwide Mortgage, 515 Encinitas Blvd. Ste 100, Encinitas, California 92024
Please be aware that this is not an advertisement for credit as defined by paragraph 226.24 of regulation Z. Nothing on this site contains an offer to make a specific home loan for any purpose with any specific terms. This is a web-site and no loans can be guaranteed as loans and rates are subject to change. Nationwide is affiliated with national lenders and a federally chartered bank located in Maryland licensed to offer home loans in all 50 states. Copyright 2001-2010 and Beyond, Nationwide Mortgage Loans - BDnationwidemortgage.com is a website and cannot make loans. All rights reserved.