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Home Equity Loans for Good Credit

Do you have good to perfect credit? If you answered yes then you can take advantage of the lowest interest rates for a home equity loan. Our website allows you to compare the best mortgage rates and services offered by lenders and brokers. See why thousands of people just like you have already used Home Equity Loans and Mortgages...

Find a home equity loan and compare current mortgage rates with free mortgage quotes from many of America's most popular lenders and brokers...

Mortgage and Loan Search Engines

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Looking for a home equity loan? These mortgage and loan search engines will locate lenders and brokers that offer thousands of different home equity loan programs and may be able to qualify a lower interest rate than you ever thought possible! Visit these mortgage and loan websites and get free mortgage quotes and the information you need to plan your financial future.


Home Equity Rate Tip

If a lender says, "Don't Count on Your Home Equity Rate Lock" when Rates Are Rising, Run!!!

Here's why... sometimes lenders will actually hold up your mortgage application if it means you'll have to pay a higher rate. In 1993, the Federal Trade Commission charged Lomas Mortgage USA, one of the nation's largest mortgage lenders, with falsely promising borrowers that it would unconditionally lock in the rate and discount points for 60 days. In fact, in many instances Lomas levied higher rates and more points within the 60-day period, the Commission charged. The Dallas lender settled with the FTC in July, 1993, and agreed to pay $300,000 in so-called "consumer redress."

"It's the lender who has control over how quickly the paperwork gets done," notes Michelle Meier, a lawyer with the Washington activist group Consumers Union. "And there are always all kinds of reasons why that locked-in rate is unavailable by the time they get to closing."

As interest rates rise, so do mortgage rate-lock complaints. Patricia Cunningham, Consumer Affairs Manager at the Illinois Office of Banks and Real Estate, says that in 1994, when interest rates were high, more than 600 mortgage rate-lock complaints came in. In 1995, when interest rates fell, so did the number of complaints -- by half. In 1996, with interest rates back up again, the number of mortgage complaints also rebounded.


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