www.bphomeloans.com
Open in
urlscan Pro
52.237.18.220
Public Scan
Submitted URL: https://tinyurl.com/ycwe2e9y
Effective URL: https://www.bphomeloans.com/LP/Default.aspx?confirmation=6019513638&SourceID=2&ShowSubmit=1&utm_source=SMS_20_28&utm_medium=...
Submission: On March 11 via api from LU — Scanned from DE
Effective URL: https://www.bphomeloans.com/LP/Default.aspx?confirmation=6019513638&SourceID=2&ShowSubmit=1&utm_source=SMS_20_28&utm_medium=...
Submission: On March 11 via api from LU — Scanned from DE
Form analysis 1 forms found in the DOM
POST ./Default.aspx?confirmation=6019513638&SourceID=2&ShowSubmit=1&utm_source=SMS_20_28&utm_medium=776&utm_campaign=PST-15&utm_content=466&utm_term=2021-02-23&RecordID=31856965&DialerListID=776&FName=Brandon&Address=10783+Tremezzo+Bay+St
<form method="post"
action="./Default.aspx?confirmation=6019513638&SourceID=2&ShowSubmit=1&utm_source=SMS_20_28&utm_medium=776&utm_campaign=PST-15&utm_content=466&utm_term=2021-02-23&RecordID=31856965&DialerListID=776&FName=Brandon&Address=10783+Tremezzo+Bay+St"
id="ctl01" class="modal ng-pristine ng-valid" onsubmit="return false;" ng-class="{'final-question':currentTab==maxTab}">
<div class="aspNetHidden">
<input type="hidden" name="__VIEWSTATE" id="__VIEWSTATE"
value="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">
</div>
<div class="aspNetHidden">
<input type="hidden" name="__VIEWSTATEGENERATOR" id="__VIEWSTATEGENERATOR" value="920D3E27">
</div>
<input ng-model="lead.LDCR" name="confirmation" id="confirmation" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
<input name="LeadID" id="LeadID" type="hidden">
<input ng-model="lead.SR_TOKEN" id="" type="hidden" name="SR_TOKEN" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="1171011978001118951">
<input ng-model="lead.LeadIDTocken" id="leadid_token" type="hidden" name="universal_leadid" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="520B9651-CE4A-4E72-C4DF-C33633C93507">
<input ng-model="lead.SourceID" id="SourceID" name="SourceID" type="hidden" value="" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
<input ng-model="lead.DataSource" id="DataSource" name="DataSource" type="hidden" value="" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
<md-progress-linear md-mode="indeterminate" class="md-warn fix-bar" value="6.25" aria-valuemin="0" aria-valuemax="100" role="progressbar" aria-valuenow="6.25">
<div class="md-container md-mode-indeterminate">
<div class="md-dashed"></div>
<div class="md-bar md-bar1"></div>
<div class="md-bar md-bar2" style="transform: translateX(-46.875%) scale(0.0625, 1);"></div>
</div>
</md-progress-linear>
<span class="brand"><i class="fas fa-home-heart"></i>Mortgage Reset</span>
<div class="questionnaire">
<div class="question" ng-show="currentTab==1" aria-hidden="false">
<span class="name">Updated Mortgage <br>Evaluation For:</span>
<div class="selection">
<span id="home-image">
<!-- ngIf: googleStreetViewSrc --><img ng-if="googleStreetViewSrc" width="520" height="180"
ng-src="https://maps.googleapis.com/maps/api/streetview?size=520x180&location=10783%20TREMEZZO BAY ST%20LAS VEGAS%20NV%2089141&key=AIzaSyCp0-7a50jNl_qY0wMsTXgvtAoU6kt3wVY" class="ng-scope"
src="https://maps.googleapis.com/maps/api/streetview?size=520x180&location=10783%20TREMEZZO BAY ST%20LAS VEGAS%20NV%2089141&key=AIzaSyCp0-7a50jNl_qY0wMsTXgvtAoU6kt3wVY"><!-- end ngIf: googleStreetViewSrc -->
<!-- ngIf: !googleStreetViewSrc -->
</span>
<input type="text" id="autocomplete" ng-model="lead.Address" class="ng-pristine ng-untouched ng-valid pac-target-input" tabindex="0" aria-invalid="false" placeholder="Geben Sie einen Standort ein." autocomplete="off">
</div>
<span class="description">Takes About 60 Seconds!</span>
</div>
<div class="question ng-hide" ng-show="currentTab==2" aria-hidden="true">
<span class="name">Property Type</span>
<div class="options">
<input type="radio" ng-click="changePropertyType('Single Family');" id="singlefamily" value="Single Family" name="propertytype" tabindex="0">
<label class="box" for="singlefamily">
<i class="fas fa-house-user"></i> Single Family </label>
<input type="radio" ng-click="changePropertyType('MultiFamily');" id="multifamily" value="MultiFamily" name="propertytype" tabindex="0">
<label class="box" for="multifamily">
<i class="fas fa-home"></i> MultiFamily </label>
<input type="radio" ng-click="changePropertyType('Condominium');" id="condominium" value="Condominium" name="propertytype" tabindex="0">
<label class="box" for="condominium">
<i class="fas fa-building"></i> Condominium </label>
<input type="radio" ng-click="changePropertyType('Mobile Home');" id="mobilehome" value="Manufactured or Mobile Home" name="propertytype" tabindex="0">
<label class="box" for="mobilehome">
<i class="fas fa-caravan"></i> Mobile Home </label>
<input id="propertytype" ng-model="lead.PropertyType" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="Single Family">
</div>
<span class="description">Select the property type of your home.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==3" aria-hidden="true">
<span class="name">Property Value</span>
<div class="selection">
<span class="value"><span id="propertyvalue" class="ng-binding">$427,800 - $447,800</span></span>
<input type="range" ng-model="lead.EstimatedHomeValue" id="propertyslider" class="slider ng-pristine ng-untouched ng-valid" min="50000" max="1000000" step="20000" aria-valuemin="50000" aria-valuemax="1000000" tabindex="0" aria-invalid="false"
aria-valuenow="437800">
</div>
<span class="description">Just an estimate is fine.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==4" aria-hidden="true">
<span class="name">Current Balance</span>
<div class="selection">
<span class="value"><span id="balancevalue" class="ng-binding">$335,000</span></span>
<input type="range" id="balanceslider" ng-model="lead.LoanAmount" class="slider ng-pristine ng-untouched ng-valid" min="0" max="437800" step="5000" aria-valuemin="0" aria-valuemax="1000000" tabindex="0" aria-invalid="false"
aria-valuenow="335000">
</div>
<span class="description">Just an estimate is fine.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==5" aria-hidden="true">
<span class="name">Borrow Additional Cash</span>
<div class="selection">
<span class="value"><span id="borrowvalue" class="ng-binding">$49,000</span></span>
<input type="range" id="borrowslider" ng-model="lead.CashOut" class="slider ng-pristine ng-untouched ng-valid" min="0" max="102800" step="" aria-valuemin="0" aria-valuemax="0" tabindex="0" aria-invalid="false" aria-valuenow="49000">
</div>
<span class="description">Home improvement, debt consolidation etc.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==6" aria-hidden="true">
<span class="name">Current Interest Rate </span>
<div class="selection">
<span class="value"><span id="interestvalue" class="ng-binding">3.51</span> %</span>
<input type="range" id="interestslider" ng-model="lead.InterestRateLoan1" class="slider ng-pristine ng-untouched ng-valid" min="2" max="12" step="0.25" aria-valuemin="2" aria-valuemax="12" tabindex="0" aria-invalid="false"
aria-valuenow="3.51">
</div>
<span class="description">Just an estimate is fine.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==7" aria-hidden="true">
<span class="name">Current Rate Type</span>
<div class="options">
<input type="radio" ng-click="changeLoanType('Fixed');" id="fixed" value="Fixed" name="ratetype" tabindex="0">
<label class="box" for="fixed" ng-click="changeLoanType('Fixed');" role="button" tabindex="0">
<i class="fas fa-chart-bar"></i> Fixed </label>
<input type="radio" ng-click="changeLoanType('Adjustable');" id="adjustable" value="Adjustable" name="ratetype" tabindex="0">
<label class="box" for="variable" ng-click="changeLoanType('Adjustable');" role="button" tabindex="0">
<i class="fas fa-chart-line"></i> Variable </label>
<input id="ratetype" ng-model="lead.LoanType" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="Fixed">
</div>
<span class="description">What type of rate do you have?</span>
</div>
<div class="question ng-hide" ng-show="currentTab==8" aria-hidden="true">
<span class="name">Current Loan Term</span>
<div class="options stack">
<input type="radio" id="years30" value="30" ng-click="changeLoanTerm(30)" name="loanterm" tabindex="0">
<label class="box" for="years30" ng-click="changeLoanTerm(30)" role="button" tabindex="0">
<span>30</span> Years </label>
<input type="radio" id="years20" value="20" ng-click="changeLoanTerm(20)" name="loanterm" tabindex="0">
<label class="box" for="years20" ng-click="changeLoanTerm(20)" role="button" tabindex="0">
<span>20</span> Years </label>
<input type="radio" id="years15" value="15" name="loanterm" ng-click="changeLoanTerm(15)" tabindex="0">
<label class="box" for="years15" ng-click="changeLoanTerm(15)" role="button" tabindex="0">
<span>15</span> Years </label>
<input type="radio" id="years10" value="10" name="loanterm" ng-click="changeLoanTerm(10)" tabindex="0">
<label class="box" for="years10" ng-click="changeLoanTerm(10)" role="button" tabindex="0">
<span>10</span> Years </label>
<input type="radio" id="years7" value="7" name="loanterm" ng-click="changeLoanTerm(7)" tabindex="0">
<label class="box" for="years7" ng-click="changeLoanTerm(7)" role="button" tabindex="0">
<span>7</span> Years </label>
<input type="radio" id="years5" value="5" name="loanterm" ng-click="changeLoanTerm(2)" tabindex="0">
<label class="box" for="years5" ng-click="changeLoanTerm(2)" role="button" tabindex="0">
<span>5</span> Years </label>
<input id="loanterm" ng-model="lead.LoanTerm" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="30">
</div>
<span class="description">Select your current loan term.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==9" aria-hidden="true">
<span class="name">Credit Score</span>
<div class="options">
<input type="radio" id="excellent" value="EXCELLENT" ng-click="changeCreditRating('EXCELLENT')" name="creditscore" tabindex="0">
<label class="box" for="excellent" ng-click="changeCreditRating('EXCELLENT')" role="button" tabindex="0">
<i class="far fa-grin-stars"></i> Excellent (680+) </label>
<input type="radio" id="good" value="GOOD" name="creditscore" ng-click="changeCreditRating('GOOD')" tabindex="0">
<label class="box" for="good" ng-click="changeCreditRating('GOOD')" role="button" tabindex="0">
<i class="far fa-smile"></i> Good (600-679) </label>
<input type="radio" id="fair" value="FAIR" name="creditscore" ng-click="changeCreditRating('FAIR')" tabindex="0">
<label class="box" for="fair" ng-click="changeCreditRating('FAIR')" role="button" tabindex="0">
<i class="far fa-meh"></i> Fair (580-639) </label>
<input type="radio" id="poor" value="POOR" name="creditscore" ng-click="changeCreditRating('POOR')" tabindex="0">
<label class="box" for="poor" ng-click="changeCreditRating('POOR')" role="button" tabindex="0">
<i class="far fa-frown"></i> Poor (< 579) </label>
<input id="creditscore" ng-model="lead.CreditRating" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false" value="GOOD">
</div>
<span class="description">Select yout credit score range.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==10" aria-hidden="true">
<span class="name">Loan Type</span>
<div class="options">
<input type="radio" id="conventional" ng-click="changeCurrentLoanType('CONVENTIONAL');" value="CONVENTIONAL" name="newloantype" tabindex="0">
<label class="box" for="conventional" ng-click="changeCurrentLoanType('CONVENTIONAL');" role="button" tabindex="0">
<i class="fas fa-money-check-alt"></i> Conventional </label>
<input type="radio" id="va" value="VA" ng-click="changeCurrentLoanType('VA');" name="newloantype" tabindex="0">
<label class="box" for="va">
<i class="far fa-id-badge"></i> VA </label>
<input type="radio" id="fha" value="FHA" ng-click="changeCurrentLoanType('FHA');" name="newloantype" tabindex="0">
<label class="box" for="fha" ng-click="CurrentLoanType('FHA');" role="button" tabindex="0">
<i class="fas fa-warehouse"></i> FHA </label>
<input id="newloantype" value="CONVENTIONAL" type="hidden">
</div>
<span class="description">Select the loan type.</span>
</div>
<div class="question ng-hide" ng-show="currentTab==11" aria-hidden="true">
<span class="name">Military Service?</span>
<div class="options">
<input type="radio" id="militaryyes" ng-click="ChangeVAStatus(true);" value="true" name="military" tabindex="0">
<label class="box" for="militaryyes" ng-click="ChangeVAStatus(true);" role="button" tabindex="0">
<i class="far fa-flag-usa"></i> Yes </label>
<input type="radio" id="militaryno" ng-click="ChangeVAStatus(false);" value="false" name="military" tabindex="0">
<label class="box" for="militaryno" ng-click="ChangeVAStatus(false);" role="button" tabindex="0">
<i class="fas fa-times"></i> No </label>
<input id="military" ng-model="lead.VAStatus" value="false" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
<span class="description">Have you or your spouse served in the US Military?</span>
</div>
<div class="question ng-hide" ng-show="currentTab==12" aria-hidden="true">
<span class="name">Bankruptcy or Foreclosure?</span>
<div class="options">
<input type="radio" id="bankruptcyyes" ng-click="ChangeBankrInPastThreeYears(true)" value="true" name="bankruptcy" tabindex="0">
<label class="box" for="bankruptcyyes" ng-click="ChangeBankrInPastThreeYears(true)" role="button" tabindex="0">
<i class="fas fa-check"></i> Yes </label>
<input type="radio" id="bankruptcyno" ng-click="ChangeBankrInPastThreeYears(false)" value="false" name="bankruptcy" tabindex="0">
<label class="box" for="bankruptcyno" ng-click="ChangeBankrInPastThreeYears(false)" role="button" tabindex="0">
<i class="fas fa-times"></i> No </label>
<input id="bankruptcy" ng-model="lead.BankrInPastThreeYears" value="false" type="hidden" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
<span class="description">Have you had a bankruptcy or foreclosure in the last 3 years?</span>
</div>
<div class="question ng-hide" ng-show="currentTab==13" aria-hidden="true">
<span class="name">Late Payments?</span>
<div class="options">
<input type="radio" id="latepaymentsyes" ng-click="ChangeCurrentOnPayment(false)" value="false" name="latepayments" tabindex="0">
<label class="box" for="latepaymentsyes" ng-click="ChangeCurrentOnPayment(false)" role="button" tabindex="0">
<i class="fas fa-check"></i> Yes </label>
<input type="radio" id="latepaymentsno" ng-click="ChangeCurrentOnPayment(true)" value="true" name="latepayments" tabindex="0">
<label class="box" for="latepaymentsno" ng-click="ChangeCurrentOnPayment(true)" role="button" tabindex="0">
<i class="fas fa-times"></i> No </label>
<input id="latepayments" ng-click="lead.CurrentOnPayment" value="true" type="hidden" tabindex="0">
</div>
<span class="description">Late payments in the past year?</span>
</div>
<div class="question ng-hide" ng-show="currentTab==14" aria-hidden="true">
<span class="name">Verified Income?</span>
<div class="options">
<input type="radio" id="verifiedyes" ng-click="ChangeIncomeVerifiable(true)" value="true" name="verifiedincome" tabindex="0">
<label class="box" for="verifiedyes" ng-click="ChangeIncomeVerifiable(true)" role="button" tabindex="0">
<i class="fas fa-check"></i> Yes </label>
<input type="radio" id="verifiedno" ng-click="ChangeIncomeVerifiable(false)" value="false" name="verifiedincome" tabindex="0">
<label class="box" for="verifiedno" ng-click="ChangeIncomeVerifiable(false)" role="button" tabindex="0">
<i class="fas fa-times"></i> No </label>
<input id="verifiedincome" ng-click="lead.IncomeVerifiable" value="true" type="hidden" tabindex="0">
</div>
<span class="description">Can you verify your income?</span>
</div>
<div class="question ng-hide" ng-show="currentTab==15" aria-hidden="true">
<span class="name" style="font-size: 18px;">Would you be interested in a home equity line of credit?</span>
<div class="options">
<input type="radio" id="interestcredityes" ng-click="ChangeLineCreditInterest('Yes')" value="Yes" name="interestcredit" tabindex="0">
<label class="box" for="interestcredityes" ng-click="ChangeLineCreditInterest('Yes')" role="button" tabindex="0">
<i class="fas fa-check"></i> Yes </label>
<input type="radio" id="interestcreditno" ng-click="ChangeLineCreditInterest('No')" value="No" name="interestcredit" tabindex="0">
<label class="box" for="interestcreditno" ng-click="ChangeLineCreditInterest('No')" role="button" tabindex="0">
<i class="fas fa-times"></i> No </label>
<input id="interestcredit" ng-click="lead.LineCreditInterest" value="true" type="hidden" tabindex="0">
</div>
</div>
<div class="question ng-hide" style="height:425px" ng-show="currentTab==16" id="final" aria-hidden="true">
<span class="name"></span>
<div class="selection">
<div class="field" style="margin:0 0 10px 0">
<input type="text" ng-model="lead.FName" placeholder=" First Name" oninput="this.className = ''" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
<input type="text" ng-model="lead.LName" placeholder=" Last Name" oninput="this.className = ''" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
<div class="field" style="margin:0 0 10px 0">
<input type="text" ng-model="lead.Email" placeholder=" Email" oninput="this.className = ''" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
<div class="field" style="margin:0 0 10px 0">
<input type="text" ng-model="lead.Phone" placeholder=" Phone Number" oninput="this.className = ''" class="ng-pristine ng-untouched ng-valid" tabindex="0" aria-invalid="false">
</div>
</div>
<span class="description">Fill out the form to check your custom rates.</span>
<div class="disclaimer">
<span class="conditions">
<input type="hidden" id="leadid_tcpa_disclosure" autocomplete="off">
<div id="srDisclosure" style="font-size: 10px; text-align: justify; color: #131313;"><input type="hidden" id="leadid_tcpa_disclosure"><label for="leadid_tcpa_disclosure">By clicking the button above, you acknowledge, consent and agree to
the following: a) Our <a href="http://www.securerights.org/privacy.html" target="_blank">Privacy Policy</a> and consent to receive notices and other
<a href="http://www.securerights.org/electroniccommunications.html" target="_blank">communications electronically</a>; b) We take your privacy seriously. You are providing express written consent for SecureRights to share your
information with up to four (4) of its <a href="http://www.securerights.org/networkmembers.html" target="_blank">Premier Partners</a> and for SecureRights, parties calling on behalf of Secure Rights, Premier Partners or authorized third
parties on their behalf to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) about financial services or other credit related offers via telephone, mobile device (including SMS and MMS)
and/or email, even if your telephone number is currently listed on any state, federal, local or corporate Do Not Call list; c) Consent to be contacted is not required in order to purchase goods or services from SecureRights or the
Premier Partners that contact you. You may choose to speak with an individual service provider by dialing (888) 883-2062; and d) That I have received and reviewed the
<a href="http://securerights.org/licenses.html" target="_blank">Mortgage Broker Disclosures</a> for my state; and e) You are providing written consent under the Fair Credit Reporting Act for SecureRights to obtain information from your
personal credit profile. You authorize SecureRights to obtain such information solely to prequalify you for credit options and connect you with an appropriate lending partner. Secure Rights NMLS 3175.</label></div>
</span>
</div>
</div>
</div>
<div class="actions">
<!-- ngIf: currentTab!=1 && currentTab!=maxTab -->
<!-- ngIf: currentTab!=maxTab --><button type="button" id="next" ng-if="currentTab!=maxTab" class="next ng-scope" ng-click="changeTab(1)" tabindex="0">Next</button><!-- end ngIf: currentTab!=maxTab -->
<!-- ngIf: currentTab==maxTab -->
</div>
<input type="hidden" name="xxTrustedFormToken" id="xxTrustedFormToken_0" value="https://cert.trustedform.com/88a4a00c252a982938809e4eeeabcdcef57e483d"><input type="hidden" name="xxTrustedFormCertUrl" id="xxTrustedFormCertUrl_0"
value="https://cert.trustedform.com/88a4a00c252a982938809e4eeeabcdcef57e483d"><input type="hidden" name="xxTrustedFormPingUrl" id="xxTrustedFormPingUrl_0"
value="https://ping.trustedform.com/0.fNIvRw6MJ0zZwH0QTN4QOzydUr5cyDK9oGJpNJzdJj47LqH0Tgm5QZ6GBu_0PoF-O70CC-5y.LfBSlpxh3vhR9FATfvwIeQ.NrIue3_orTXB-lA0bbNK-A">
</form>Text Content
Mortgage Reset Updated Mortgage Evaluation For: Takes About 60 Seconds! Property Type Single Family MultiFamily Condominium Mobile Home Select the property type of your home. Property Value $427,800 - $447,800 Just an estimate is fine. Current Balance $335,000 Just an estimate is fine. Borrow Additional Cash $49,000 Home improvement, debt consolidation etc. Current Interest Rate 3.51 % Just an estimate is fine. Current Rate Type Fixed Variable What type of rate do you have? Current Loan Term 30 Years 20 Years 15 Years 10 Years 7 Years 5 Years Select your current loan term. Credit Score Excellent (680+) Good (600-679) Fair (580-639) Poor (< 579) Select yout credit score range. Loan Type Conventional VA FHA Select the loan type. Military Service? Yes No Have you or your spouse served in the US Military? Bankruptcy or Foreclosure? Yes No Have you had a bankruptcy or foreclosure in the last 3 years? Late Payments? Yes No Late payments in the past year? Verified Income? Yes No Can you verify your income? Would you be interested in a home equity line of credit? Yes No Fill out the form to check your custom rates. By clicking the button above, you acknowledge, consent and agree to the following: a) Our Privacy Policy and consent to receive notices and other communications electronically; b) We take your privacy seriously. You are providing express written consent for SecureRights to share your information with up to four (4) of its Premier Partners and for SecureRights, parties calling on behalf of Secure Rights, Premier Partners or authorized third parties on their behalf to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) about financial services or other credit related offers via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any state, federal, local or corporate Do Not Call list; c) Consent to be contacted is not required in order to purchase goods or services from SecureRights or the Premier Partners that contact you. You may choose to speak with an individual service provider by dialing (888) 883-2062; and d) That I have received and reviewed the Mortgage Broker Disclosures for my state; and e) You are providing written consent under the Fair Credit Reporting Act for SecureRights to obtain information from your personal credit profile. You authorize SecureRights to obtain such information solely to prequalify you for credit options and connect you with an appropriate lending partner. Secure Rights NMLS 3175. Next scroll down to learn more Second Mortgages If you’ve ever heard someone say they are taking out a “second mortgage,” they are talking about a home equity loan. This is a type of mortgage where homeowners can borrow money by “leveraging” the funds in their home, or the money they’ve already paid into the principle of their mortgage. Home equity loans became popular in the mid 1980s as a way for homebuyers to gain back what was lost in the Tax Reform Act of 1986 which would no longer allow deductions of mortgage interest. With a home equity loan, homebuyers could borrow back $100,000 of the value of their homes and receive tax deductions on the interest. However, taxes have changed and now homeowners can only receive tax deductions on a home equity loan if the loan money is used for significant improvements and home renovations. There are two types of home equity loans that a lender can give a homebuyer, and they both are created to be paid off in 5-15 years. Those include: - Fixed-Rate Loans: A homebuyer receives one lump sum upfront and then pays it back over time with a set interest rate. Requirements of the loan are locked in when the loan is taken out, such as the monthly payments and interest. - Home-Equity Line of Credit: This type of loan works similar to a credit card, which is why it’s called a “variable-rate loan.” When approved, a homebuyer will receive a specific spending limit that they can draw from when the money is needed. They may even receive a credit card to draw those funds from the loan each month. Because it’s a variable-rate loan, monthly payments and interest are determined by how much money is borrowed at the current interest rate of the loan. You want to be more careful with this type of loan because you need to have a steady income in order to keep up with payments, as the leverage is the equity you have already paid off on your original mortgage. There are pros and cons to taking out any type of loan or line of credit. However, if you read the fine print, you can stay out of a lot of trouble and avoid surprises. Simply remember that you are borrowing the equity in your home. Equity means you own something that has debt attached to it, but part of the item is paid off. Example: If your home is worth $200,000 and you still owe $80,000, then the equity is $120,000 because that much has already been paid off. When getting a home equity loan, keep in mind that your home is used as collateral. If you default on the loan, the bank could foreclose on and take possession of your home. Generally, interest rates are higher for home equity loans than they are for the fixed-rate version and other consolidation loans. You will also have to pay closing costs and fees, but this is common with many types of loans. Privacy Policy | Terms © Copyright 2024. All rights reserved. For a free quote. - www.bphomeloans.com is not a loan broker, lender, loan modification company or foreclosure prevention/counseling company. www.bphomeloans.com is not associated with or an affiliate of your current lender or servicer. This is not an offer by www.bphomeloans.com to lend you money. Our goal is to provide an easy connection for homeowners seeking information on MORTGAGE eligibility with a private mortgage broker, company, or attorney who can assist you. By entering your mobile number in form above you agree to receive marketing based text messages. Consent is not required for purchase. You may receive up to 5 messages per month. Standard text and data rates may apply.